47 Cortez Avenue, St. Augustine, FL 32080
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 21, 2026, 47 CORTEZ Avenue in Cortez on the Water, St. Augustine is listed at $1,999,000 (2,872 sq ft, about $696 per sq ft). It has been 450 days on market. Listing facts: new construction, waterfront, HOA dues of $1,278/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- New construction — built 2024
- 2,872 sq ft of living area
- 2-car garage
- Listed at $1,999,000 — recent neighborhood median sale price ~$1,512,500 (nearby sales; deemed reliable, not an appraisal)
- 450 days on market
- HOA $1,278/mo (per listing)
Pricing & the Cortez on the Water market
How this home is priced against recent nearby sales, and where Cortez on the Water has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 2024BuiltPer public record
- Jul 2, 2026First trackedObserved at $1,999,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $10,586/mo 76%
- Taxes $1,433/mo 10%
- Insurance $553/mo 4%
- HOA $1,278/mo 9%
$13,849/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
22/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 84.0 months of supply in the surrounding market and 450 days on market for this home, against a 448-day area median.Days on market:this home 450Area median: 448 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 10, 2026.
🟡 Asking $696 per square foot, about 32% above the community’s $526 median. Cortez on the Water’s 12-month median sold price per square foot is $526. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 7 active listings in Cortez on the Water, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
*Private rooftop terraces redefine the living experience at Cortez on the Water, creating a seamless indoor-outdoor lifestyle with breathtaking panoramic views, private elevator access to the rooftop level, and the option for a builder upgrade to add an interior stairway connection* Welcome to 47 Cortez - the premier end unit within Cortez on the Water, an exclusive enclave of 30 luxury waterfront residences nestled on Anastasia Island along the Intracoastal Waterway. Capturing panoramic views of Salt Run, the Intracoastal, and the iconic St. Augustine Lighthouse, this coveted end-unit home is perfectly positioned just minutes from historic downtown, Anastasia State Park, and the city's most beloved coastal dining and attractions.
This 2,872 SF three-story residence with rooftop living features a private in-unit elevator, deeded boat slip with deep water access, and an oversized two-car garage with sleek epoxy-coated flooring. A grand, wide-plank staircase with a flared entry design creates a striking first impression, while the paverstone driveway adds timeless curb appeal in harmony with the coastal architectural style. covered patio with marina and water views.
The guest suite is also pre-plumbed for a bar area (optional upgrade). marina and water views. On the second floor, the expansive primary suite offers a serene retreat with a custom-designed walk-in closet, spa-inspired bath, oversized shower, dual vanities, and a private covered balcony with tranquil views of the Intracoastal and beyond.
Two additional light-filled bedrooms and a full bath complete this level. The third floor is the heart of this exceptional residence, thoughtfully designed for both everyday living and elegant entertaining. The chef's kitchen features a striking waterfall-edge quartz island with abundant storage, tasteful modern backsplash, custom cabinetry, and upgraded stainless steel appliances.
The adjacent dining area opens to a private balcony that captures sweeping views of the Intracoastal Waterway, heated pool, and the surrounding coastal community. The spacious living area extends onto a second large covered balcony overlooking the marina and intracoastal, while front-facing windows frame unobstructed vistas of the iconic St. Augustine Lighthouse.
Distinctive ceiling treatments and modern finishes enhance the refined coastal aesthetic throughout this spectacular end unit. Additional features include wide-plank wood flooring throughout, a tankless water heater, and pre-plumbing for a water softener in the garage. Stylish details and modern finishes enhance the residence's refined coastal character.
Enjoy resort-style amenities including a waterfront heated pool, hot tub, private marina access, and a covered poolside lanai featuring ample counter space for serving and an island with bar seating perfect for effortless outdoor entertaining. Cortez on the Water offers timeless design, exceptional craftsmanship, and the best of luxury island living in Northeast Florida. **Select builder upgrades still available.
All 84 photos
Description provided by HOUSE & HAVEN and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $1,999,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $1,278/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
- 4 active listings competing, 1 under contract
- ≈84.0 months of supply
- 2 closed here in the last 12 months
For reference, this home is listed at $1,999,000 ($696/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,872 sq ft × $463–$589/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 21, 2026.
Similar homes for sale near Cortez on the Water
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in St. Augustine
- 324 Ferndale Way, St. Augustine · $515,000 · 4 bd / 3.0 ba · listed September 20, 2026 (courtesy of PONTE VEDRA CLUB REALTY, INC.)
- 249 Day Dream Drive, St. Augustine · $399,990 · 2 bd / 2.0 ba · listed September 20, 2026 (courtesy of OLYMPUS EXECUTIVE REALTY, INC)
- 40 Spring Street, St. Augustine · $349,999 · 3 bd / 1.0 ba · listed September 20, 2026 (courtesy of UNITED REAL ESTATE GALLERY)
- 47 Starnberg Court, St. Augustine · $530,000 · 3 bd / 2.5 ba · listed September 19, 2026 (courtesy of REAL BROKER LLC)
- 78 Hydrilla Court, St. Augustine · $889,990 · 4 bd / 3.5 ba · listed September 19, 2026 (courtesy of REALTY ONE GROUP ELEVATE)
- 43 Arbor Alcove Lane, St. Augustine · $429,900 · 3 bd / 2.0 ba · listed September 19, 2026 (courtesy of PONTE VEDRA CLUB REALTY, INC.)
Recently off market in Cortez on the Water
- 33 Cortez Avenue · last listed $1,100,000 · 2026-09-12
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by HOUSE & HAVEN · MLS # 2095639
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Recent sales activity in Cortez on the Water
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Cortez on the Water neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Cortez on the Water
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $526/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 47 CORTEZ Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
- New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 2,872 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $17,191/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: September 21, 2026) |
| Community market stats | realMLS closed sales, as of August 10, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 47 CORTEZ Avenue and when was it built?
Per the listing record, 47 CORTEZ Avenue was built in 2024 and has 2,872 sq ft of living area, 4 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 47 CORTEZ Avenue in?
47 CORTEZ Avenue is in Cortez on the Water in St. Augustine, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Cortez on the Water from the same MLS data.
Does 47 CORTEZ Avenue have an HOA, and how much are the dues?
The listing reports HOA dues of $1,278 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 47 CORTEZ Avenue differ from the current owner's?
The estimate on this page (about $17,191 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 47 CORTEZ Avenue in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 47 CORTEZ Avenue in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.