Cortez on the Water
Condos for Sale in St. Augustine, FL
All 1,285 homes for sale in St. Augustine, FL · median $489,900 · 145 condos for sale in St. Augustine · 173 homes for sale in 32080 · St. Johns County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Cortez on the Water in St. Augustine, FL has 4 homes for sale, asking from $1,100,000 to $1,985,000 (median $1,339,500). Homes listed or recently sold were built 2022–2025 with 2 new construction; 7 of 7 report an HOA (median $1,278/mo); 7 of the 7 geocoded homes sit in a FEMA special flood hazard zone (median elevation 7 ft).
Last 30 days in Cortez on the Water: 1 new listing (median asking $1,350,000). As of October 29, 2026, realMLS.
Homes For Sale Right Now in Cortez on the Water
Live MLS inventory for Cortez on the Water. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 192 daysTop listing
Active · 19 days
Active · 482 days
Active · 486 daysActive and pending Cortez on the Water listings as of 2026-10-28, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.

Cortez on the Water is a water-oriented community, and the amenity set tells you where the value sits: boat dock, marina, and boat slip access are the features that separate these listings from inland St. Augustine stock. Price here is driven less by any single number than by condition, location within the community, and whether a given home carries direct water or slip access. The one figure to anchor on is the median, and beyond that the spread is wide enough that condition does most of the talking.
The current posture is firmly buyer-leaning. With 84 months of supply against just 7 active listings, this is a thin, slow-moving market where inventory sits. For a buyer, that means time and leverage — there is no need to rush, and negotiation room should exist. For a seller, it means realistic pricing and patience are not optional; homes that are sharp on condition and priced to the market will move, and the rest will wait.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
This is a small, water-focused enclave in St. Augustine where marina and slip access define the appeal. With only a handful of homes on the market at once, selection is limited and each listing's condition and water access matter more than any headline average.
realMLS (Northeast Florida) sales records identify 6 homes in Cortez on the Water that have changed hands since 2025, built between 2024 and 2025 (median 2024), with a median living area of about 2,872 sq ft and a typical 4-bedroom, 3.5-bath layout; 100% are condominiums. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Cortez on the Water. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from realMLS listings in Cortez on the Water; content deemed reliable but not guaranteed.
Who Cortez on the Water is best for.
Best for
- Buying to keep a boat close with dock, marina, or slip access on site
- Buyers who can be patient and wait for the right listing in a thin market
- Buying to hold long term rather than flip or trade quickly
Probably not for
- Needing a fast, liquid resale market with many buyers
- Wanting broad selection and multiple homes to compare at once
- Buying with no interest in water access or the associated HOA terms
The market around Cortez on the Water
Cortez on the Water is too small for its own price trend, so here is the market around it.
In ZIP 32080, 211 homes are on the market and 18% are under contract — a steady corner of St. Augustine.
Across St. Johns County, 1,851 homes are active and 871 pending (32% under contract).
In ZIP 32080 (St. Augustine), 295 homes closed in the last 12 months at a median of $425K ($300/sq ft), down 4.4% year over year, with a median 45 days on market. Right now 138 active and 25 pending listings put supply at about 5.9 months — a balanced market. See the live ZIP 32080 housing market and the St. Johns County market.
ZIP and county figures describe the wider market, not Cortez on the Water specifically. Momentum Research analysis of MLS records.
Cortez on the Water on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap contributors.
Life at Cortez on the Water
- Boat Dock · reported on 9 of 9 listings
- Spa/Hot Tub · reported on 9 of 9 listings
- Pool · reported on 9 of 9 listings
- Marina · reported on 8 of 9 listings
- Barbecue · reported on 1 of 9 listings
- Boat Slip · reported on 1 of 9 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- St. Johns County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- R. B. Hunt · Elementary
- Sebastian · Middle
- St. Augustine · High
Zoned schools reflect the assignments reported on recent Cortez on the Water listings and can change; always confirm with St. Johns County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cortez on the Water address.
Shop the zone: Homes zoned for R. B. Hunt Elementary School · Homes zoned for Sebastian Middle School · Homes zoned for St. Augustine High School
The Cortez on the Water buying strategy.
If we were buying in Cortez on the Water today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cortez on the Water.
A thin market built around the water
The reported amenities — boat dock, marina, boat slip, pool, spa, and barbecue — point to a community organized around water access rather than scale. For buyers who want a boat close to home, that infrastructure is the whole reason to be here, and it is worth confirming exactly what access conveys with a given property. Slip rights and dock arrangements vary, so verify current amenities and access with the HOA before you write an offer.
The supply picture is the other defining fact. At 84 months of supply with 7 active listings, this is one of the slowest-turning setups you will find in St. Johns County. That cuts two ways: a buyer can take time, inspect carefully, and negotiate from a position of patience, while a seller has to accept that the pool of buyers for a specialized waterfront product is small and that overpricing simply means sitting.
The location and the amenities are priced into every listing in Cortez on the Water. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A thin, specialized market rewards knowing what each listing actually offers. We dig into dock and slip access, HOA terms, and how a given home's condition stacks against the few comparables that exist — then we price and negotiate to the reality on the ground rather than a wishful number. In a buyer-leaning stretch like this, that groundwork is where the leverage comes from.
Cortez on the Water in 15 seconds.
Tools for a Cortez on the Water buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cortez on the Water sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cortez on the Water, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cortez on the Water home worth?
Get a no-obligation home value based on real comparable sales in Cortez on the Water, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in St. Augustine →
Should you buy in Cortez on the Water?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 28, 2026) |
| Under-contract shares | realMLS records, as of 2026-08-10 |
| Historical depth | Closed-sale records back to 2025 (1 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Cortez on the Water fits the bigger picture — live prices, inventory, and Momentum Scores:
Email me new listings in Cortez on the Water
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Cortez on the Water Condos for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cortez on the Water Condos for Sale will answer, and the answer is published on this page for the next buyer.
What it really costs to own in Cortez on the Water
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | At today's median asking price of $1,339,500, the first-year bill with homestead is about $17,500/yr (St. Johns County total millage 13.4686 mills, FY2025-26, St. Johns County Property Appraiser, FY2025-26 adopted budget). |
|---|---|
| HOA dues | Median $1,278/month across 3 MLS listings (most billed quarterly; 2026-10-29). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Saint Johns County is $1,378/yr (977 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
Estimated carrying cost at the median asking price, before the mortgage: about $2,851/month (tax $1,458, HOA $1,278, insurance $115). An estimate from the sources above, not a quote.
| Location | St. Augustine, St. Johns County, FL · ZIP 32080 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | Boat Dock, Marina, Spa/Hot Tub, Other, Barbecue, Boat Slip |
| For sale right now | 7 active, 2 pending · median asking $1,329,000 · 84.0 months of supply |
Data as of August 10, 2026. Data provided by realMLS. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cortez on the Water key facts,” movewithmomentum.com/neighborhoods/cortez-on-the-water-st-augustine, data as of August 10, 2026.
Every Home for Sale in Cortez On The Water St Augustine Right Now (4)
All 4 active and pending Cortez On The Water St Augustine listings with a detail page, newest first, refreshed twice a day from the MLS.
- 80 Cortez Avenue · $1,350,000 · 4 bd / 3.5 ba · listed Aug 26, 2026 · listed by Maxrev, Llc
- 73 Cortez Avenue · $1,985,000 · 4 bd / 3.5 ba · listed Aug 2, 2026 · listed by House & Haven
- 82 Cortez Avenue · $1,329,000 · 4 bd / 3.5 ba · listed Jul 31, 2026 · listed by House & Haven
- 15 Comares Avenue · $1,100,000 · 4 bd / 3.5 ba · listed Jul 31, 2026 · listed by House & Haven
Recently sold in Cortez On The Water St Augustine
- 47 Cortez Avenue · sold $1,900,000
- 45 Cortez Avenue · sold $1,925,000
- 33 Cortez Avenue · sold $1,100,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More St. Augustine home searches
- All homes for sale in St. Augustine, FL
- Homes for sale in St. Johns County, FL
- St. Augustine waterfront homes for sale
- Gated communities in St. Augustine
- St. Augustine golf course homes
- Homes under $300K in St. Augustine
- St. Augustine home values: what is my house worth?
St. Augustine guides & data
- Market data
- Cost of living
- Best neighborhoods (ranked by data)
- Best neighborhoods
- Flood zones
- Property taxes (St. Johns County)
- Homestead exemption (St. Johns County)
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
Real estate agent in St. Augustine? Join Momentum in St. Augustine: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Cortez Avenue (6 homes on record)
Nearby Communities
Explore more neighborhoods near Cortez on the Water with Momentum Realty’s local guides.




