4104 128TH STREET
CORTEZ, FL 34215
About this home
Experience waterfront living in this 2,046 sq. ft. end-unit residence, positioned close by beautiful Anna Maria Island and historic Cortez village. THE $1,843 MONTHLY HOA FEE INCLUDES FLOOD INSURANCE AND ALSO COVERS: exterior and grounds maintenance, escrow reserves, pest control, trash removal, and community amenities for a lock-and-leave lifestyle. Offering the privacy of a single-family home with no neighbors above or below, this condo is tailored for the boating enthusiast. Enjoy access from your assigned 40-foot boat slip, equipped with a 10,000-lb lift (2022) and docks providing direct entry to the Intracoastal Waterway and Gulf of Mexico. Conveniences include two under-building parking spaces and an air-conditioned storage unit. The interior features 13-foot ceilings, hardwood flooring, and a chef’s kitchen with marble accents. West-facing PGT impact glass sliders frame water views and sunsets, transitioning to a lanai and paver patio. 2025 infrastructure upgrades—including a new HVAC system with ductwork and PGT impact windows throughout—ensure efficiency and peace of mind. The residence sustained no damage during recent hurricanes. Situated within a resort-style community, residents enjoy access to two heated pools, hot tub, tennis and pickleball courts, a fitness center, and a clubhouse.
Facts & features
Interior
- Bedrooms
- 3
- Bathrooms
- 2
- Living area
- 2,046 sqft
- Heating
- Central, Electric
- Cooling
- Central Air, Humidity Control
- Flooring
- Tile, Wood
- Stories
- 2
- Features
- Cathedral Ceiling(s), Ceiling Fans(s), High Ceilings, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor…
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range Hood…
Exterior & lot
- Lot size
- 0 sqft (0 ac)
- Waterfront
- Yes
- Roof
- Built-Up, Membrane
- Construction
- Block, Stucco
- Exterior
- Lighting, Storage, Tennis Court(s)
Parking
- Carport
- 2 spaces
Financial
- Annual tax
- $4,579 (2024)
- Price / sqft
- $383/sqft
Utilities
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- BB/HS Internet Available, Public
Property
- Property type
- Condo
- Year built
- 1991
- Subdivision
- SMUGGLERS LANDING PH III
- County
- Manatee
Listing
- Status
- Active
- Days on market
- 138 days
- MLS #
- MFR779980156
- Source
- Stellar MLS
Listed by Susie Robinson · COLDWELL BANKER REALTY
Listing data provided by Stellar MLS. Information deemed reliable but not guaranteed.
Sample estimate — not an appraisal
Based on 17 comparable sales within 1 mile of CORTEZ, FL, this home is priced over RENA ValiQ.
Reference only. Estimates blend public sale comps, neighbourhood trend and the listing’s own metrics. Final price moves on diligence, terms and timing — RENA is your second read, not your agent.
Estimate your monthly cost
PITI + HOA- Principal & interest
- $4,173/mo
- Property tax
- $588/mo
- Home insurance
- $200/mo
Tax, insurance and HOA are editable estimates with Florida-typical defaults — Florida homeowners insurance in particular varies widely by location and elevation. Confirm exact figures with a lender and insurer.
Ask about this property
Answered from this listing’s own figures and the sales around it.
Price historySample data
Reference timeline for $784,000. Live MLS history swaps in with the Stellar feed.
| Date | Event | Price | Change |
|---|---|---|---|
| 2026-08 | Listing updated | $784,000 | — |
| 2026-05 | Price changed | $784,000 | — |
| 2026-02 | Listed | $784,000 | — |
NeighbourhoodSample data
Reference scores for CORTEZ, FL. Schools, mobility and amenities feed live data once the dedicated provider connection lands.
Location
Frequently asked questions
What would 4104 128TH STREET, CORTEZ cost per month?
About $4,738 a month: $3,964 principal and interest, $382 property tax, $392 insurance. That assumes 20% down at 6.5% over 30 years.
Is 4104 128TH STREET, CORTEZ priced fairly?
Comparable sales nearby put it between $804,876 and $926,040, with $865,458 in the middle. That is from 8 properties of the same type and size within three miles, at a median of $423 a square foot.
How does 4104 128TH STREET, CORTEZ compare to nearby homes?
8 comparable properties within three miles. The nearest: 4112 128TH STREET, CORTEZ, FL at $600,000, 1,546 sq ft, 0.04 miles away; 4118 OSPREY HARBOUR LOOP, CORTEZ, FL at $739,000, 1,898 sq ft, 0.08 miles away; 3840 MARINERS WAY, CORTEZ, FL at $825,000, 1,942 sq ft, 0.2 miles away.
How long has 4104 128TH STREET, CORTEZ been on the market?
138 days on the market.
Has the price of 4104 128TH STREET, CORTEZ changed?
It has gone down from $875,000 to $784,000, a change of -10.4%.
How big is 4104 128TH STREET, CORTEZ?
3 bed, 2 bath, 2,046 square feet. That is $383 a square foot.
What year was 4104 128TH STREET, CORTEZ built?
Built in 1991.
What is the HOA fee at 4104 128TH STREET, CORTEZ?
The feed lists no association fee for this property.
What are the property taxes at 4104 128TH STREET, CORTEZ?
Property tax works out to about $382 a month, $4,579 a year.
Is 4104 128TH STREET, CORTEZ still available?
It is still on the market.
Similar homes nearby
Homes for sale in CORTEZ within the same price band.
