Cortez on the Water in St. Augustine

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

Community in St. Augustine · St. Johns County · ZIP 32080
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Built fromLive realMLS data1 years of closingsUpdated twice daily

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.

Live · Cortez on the Water Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
22%
Under contract
St. Johns: 32% (871 of 2,722)
7 · 2
For sale · pending
live counts, refreshed twice daily

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 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.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written October 26, 2026

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.

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.

Listing locations from realMLS. Map data © OpenStreetMap contributors.

Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

Schools

In short
  • 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.

If we were buying in Cortez on the Water today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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.

Best Buy
Buyers who want marina or slip access and are willing to wait for the right St. Augustine listing.
Biggest Risk
Deep 84-month supply means slow resale and a small buyer pool when you sell.
Sweet Spot
A well-kept home with direct water access bought at a disciplined price.
Avoid If
You need speed, selection, or easy liquidity on exit.

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.

Jon Brooks · Founder, Momentum Realty

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.

Best forBuyers who want marina or slip access and are willing to wait for the right St. Augustine listing.
Biggest advantageA clear buyer-leaning market with time and negotiation room.
Biggest riskDeep 84-month supply means slow resale and a small buyer pool when you sell.
Sweet spotA well-kept home with direct water access bought at a disciplined price.
Avoid ifYou need speed, selection, or easy liquidity on exit.
The takeaway

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.

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Real comps, not an automated estimate.
Buying to keep a boat close with dock, marina, or slip access on siteExcellent fit
Buyers who can be patient and wait for the right listing in a thin marketExcellent fit
Buying to hold long term rather than flip or trade quicklyExcellent fit
Needing a fast, liquid resale market with many buyersProbably not
Wanting broad selection and multiple homes to compare at onceProbably not
Buying with no interest in water access or the associated HOA termsProbably not

Data sources & freshness

Live listingsrealMLS, refreshed twice daily (last: October 28, 2026)
Under-contract sharesrealMLS records, as of 2026-08-10
Historical depthClosed-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.

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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.

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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 taxAt 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 duesMedian $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 insuranceThe 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.

Cortez on the Water key facts
LocationSt. Augustine, St. Johns County, FL · ZIP 32080
Home types (current listings and sales)condos 100%
Amenities listed by sellersBoat Dock, Marina, Spa/Hot Tub, Other, Barbecue, Boat Slip
For sale right now7 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.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

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