4118 OSPREY HARBOUR LOOP UNIT 4118, CORTEZ, FL, 34215
Active85 days on marketListed Apr 30, 2026MLS #A4671093
About this home
4118 OSPREY HARBOUR LOOP UNIT 4118
One or more photo(s) has been virtually staged. Welcome to the Sandpiper at gated Harbour Landings, a beautifully updated SPACIOUS two-story townhouse with 1898 sq. ft and 2400 + EXTRA square feet of AC living space. NEW METAL roof 04/2025. ROOM FOR A POOL! Private ELEVATOR to the main living level upstairs with covered screened porch, and PERFECT FOR A MOTHER IN LAW SUITE SITUATION! Generous and oversized garage is equivalent to a 3 CAR garage with space for two cars and/or boat/golf cart. The aquarium windows and sliding glass doors allow for an abundance of natural light with screened lanai. You'll enjoy features such crown molding, high ceilings, new AC in 2022, all new interior painting and brand new modern light fixtures. Harbour Landings is a virtually maintenance-free community. Association fees include all amenities, (tennis, pool, clubhouse, private gate) insurance on the outside of the building, roof maintenance and replacement, landscaping, lawn maintenance, irrigation, exterior painting, and professional management. Enjoy heated pool, community fitness facility, and tennis/pickle ball court. Walk-able and golf-cart friendly, Harbour Landings is close to beaches,(ONE Mile to Anna Maria) boating, golfing, restaurants, and more – offering the best of the coastal-casual Florida lifestyle. This home epitomizes tropical, island living without having to be on an island. Don’t miss out on this one-time amazing coastal lifestyle opportunity and call for your private showing today! Take your golf cart over the bridge to Anna Maria! THIS PROPERTY DID NOT FLOOD OR HAVE ANY DAMAGE IN HURRICANE HELENE AND MILTON.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,898
Sqft
0.15 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$395
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,683 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,683/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.6%
$/sqft vs Cortez actives
$395 vs $511
Days on market
85 vs 134 typical
Where $395/sqft sits among the 13 Cortez actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Cortez
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Cortez. See the full Cortez guide →
CORTEZ 34215 — neighborhood snapshot
Population
759
Median age
58.5
Median income
$76,364
Median home value
$722,200
Avg household
2.03
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Cortez market
$710K → $1.3M
Cortez median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
6 of 13
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 4118 OSPREY HARBOUR LOOP UNIT 4118
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$725,000
12518 HARBOUR LANDINGS DRIVE · same community
3 bd · 2 ba · 2,361 sqft · $307/sqft · 169 DOM
Sold · Apr ’26$2,200,000
12509 SAFE HARBOUR DRIVE · same community
3 bd · 3 ba · 3,460 sqft · $636/sqft · 139 DOM
Sold · Oct ’25$375,000
3808 118TH STREET W
3 bd · 2 ba · 1,972 sqft · $190/sqft · 134 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4118 OSPREY HARBOUR LOOP UNIT 4118 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4118 OSPREY HARBOUR LOOP UNIT 4118 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4118 OSPREY HARBOUR LOOP UNIT 4118 FAQs
What would the monthly payment be for 4118 OSPREY HARBOUR LOOP UNIT 4118?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,683/mo — principal and interest, the actual property-tax bill, the $567/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4118 OSPREY HARBOUR LOOP UNIT 4118?+
The association fee works out to $567 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4118 OSPREY HARBOUR LOOP UNIT 4118?+
The most recent tax bill on record (2025) was $7,528. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4118 OSPREY HARBOUR LOOP UNIT 4118?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Cortez?+
At $750,000, this home is listed about 21% below the Cortez median of $950,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4118 OSPREY HARBOUR LOOP UNIT 4118?+
Sea Breeze Elementary School (elementary), W. D. Sugg Middle School (middle), Bayshore High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$750,000 runs 25% above the CORTEZ 34215 median.
02Park/Greenbelt & Trees/Woods views
The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $567/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $779,000, now $750,000 — a $29K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SATO REAL ESTATE INC. · Cindy Quinn, Pa. MLS #A4671093.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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