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4104 128TH STREET W, #704, Cortez, FL, 34215 | $825,000
Welcome to this exceptional waterfront end-unit condo offering the ultimate Florida boating lifestyle. This beautiful residence includes your own 40’ boat slip, a 10, 000-lb boat lift (Nov 2022), and an additional 30-amp power supply. The extended dock provides extra seating and a dedicated entertaining area—perfect for relaxing or hosting dockside gatherings.
This 2, 046 sq. ft. , 3-bedroom, 2-bath home features real hardwood floors and no neighbors above or below, ensuring privacy and tranquility. Enjoy west-facing sunset views overlooking a deep, sailboat-accessible saltwater canal, Cove Sound Moorings Marina, the Intracoastal Waterway, and beyond.
The open-concept floor plan is filled with natural light, highlighted by four skylights and a dramatic great room with soaring 13’ ceilings. The chef’s kitchen boasts expansive granite countertops, a newly added marble stone backsplash and kitchen walls, and ample workspace—ideal for both everyday living and entertaining.
The spacious primary suite features new floor tile, a travertine bath and shower, dual sinks, a walk-in shower, and a generous walk-in closet. Additional upgrades include brand-new PGT impact windows and doors, a new HVAC system with all-new ductwork (March 2025), and a hurricane-glassed lanai with screens, expanding the indoor-outdoor living space.
Step outside to the newly added paver patio, perfect for BBQs, sunset watching, and enjoying the waterfront breeze. The home offers abundant storage, including closets, attic space, and an additional air-conditioned storage/workshop with attic on the ground floor. Two covered parking spaces are included.
Recent community and building improvements include new elevators, a new roof, resurfaced pool and pool decks (2023), and fresh exterior paint (2025). Smuggler’s Landing residents enjoy two heated pools, a hot tub, clubhouse, fitness room, and tennis/pickleball courts.
Located on a private road just off Anna Maria Island, directly across from the historic fishing village of Cortez, this upscale waterfront community offers direct access to the Intracoastal Waterway and the Gulf of Mexico.
Come see this incredible home—you’ll fall in love with the area, the lifestyle, and your new waterfront retreat.
Features
- Elevator: Y
- Heating: Central, Electric
- Cooling: Central Air, Humidity Control
- Levels: 2
- Amenities: Clubhouse, Fitness Center, Maintenance, Pickleball Court(s), Pool, Recreation Facilities, Spa/Hot Tub, Tennis Court(s)
- Rooms: 7
- Bedrooms: 3
- Baths: 2 full
- Laundry: Inside, Laundry Closet
- Complex: SMUGGLERS LANDING PH III
- Year Built: 1991
- Approx Sq. Feet: 2,046
- Est. Taxes: $4,579
- Condo Fee: $5,528 Quarterly
- Lot Desc: FloodZone, In County, Landscaped, Near Golf Course, Near Marina, Near Public Transit
- View: Water
- Pet Policy: Yes
- Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range Hood, Washer
- MLS#: A4679419
- Days on Market: 43 days
- Website: https://www.raveis.com
/prop/A4679419/4104128thstreetw_cortez_fl?source=qrflyer
Listing courtesy of Coldwell Banker Realty Phone: 941-366-8070
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
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To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
4104 128TH STREET W, #704, Cortez, FL, 34215
$825,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
|
5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
|---|---|---|---|
| Loan Amount | $660,000 | $660,000 | $660,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 5.875% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.154% | 6.031% | 5.991% |
| Monthly Tax Payment | $382 | $382 | $382 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,747 | $3,904 | $5,481 |
| Total Monthly Payment | $4,221 | $4,378 | $5,955 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388