12507 CORTEZ ROAD W UNIT 58, CORTEZ, FL, 34215
Active251 days on marketListed Nov 25, 2025MLS #A4673244
About this home
12507 CORTEZ ROAD W UNIT 58
Waterfront 55+ Co-Op Near Anna Maria Island | Pet-Friendly | Furnished Coastal Home in Cortez, FL. Discover affordable coastal living in Bradenton, Florida with this beautifully updated home in a pet-friendly 55+ waterfront co-op community near Sarasota Bay. Ideally located less than one mile from the pristine Gulf beaches of Anna Maria Island, this property is perfect for buyers searching for Florida beach homes near the water or a seasonal retreat on the Gulf Coast. Situated in the heart of Cortez, one of the last authentic fishing villages in the U.S., this home offers a rare combination of Old Florida charm, waterfront access, and modern updates. Move-In Ready & Fully Furnished - Renovated following the 2024 hurricane season, this turnkey furnished home includes appliances and most furnishings—ideal for buyers seeking a ready-to-enjoy Florida waterfront property. Interior upgrades include: New carpet in main living areas and laminate flooring in kitchen and bathrooms, Key Property Features: New roof (July 2023), Central A/C (2019), In-unit laundry with stackable washer/dryer, Well-maintained and thoughtfully updated. Step outside and enjoy direct access to a private community dock and fishing pier on Sarasota Bay, where you can take in year-round sunset views over the water—a major draw for buyers searching for waterfront homes with sunset views in Bradenton. This 55+ waterfront community near Anna Maria Island offers a relaxed, low-maintenance lifestyle just minutes from: Gulf beaches and boating. Waterfront dining and fresh local seafood, shopping, entertainment, and medical facilities. Whether you're looking for a winter getaway, retirement home, or full-time residence on Florida’s Gulf Coast, this property delivers value, location, and true coastal living. Own a slice of waterfront paradise near Anna Maria Island—at a price point that’s increasingly hard to find. Audio/video recording in use via in-home camera system.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
795
Sqft
0.04 ac
Lot size
1968
Year built
One
Levels
$283
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.
$2,194 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,194/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
$/sqft vs Cortez actives
$283 vs $548
Days on market
251 vs 134 typical
Where $283/sqft sits among the 15 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)
7 of 15
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 63% below the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 12507 CORTEZ ROAD W UNIT 58
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$75,000
12507 CORTEZ ROAD W UNIT 21 · same community
1 bd · 1 ba · 720 sqft · $104/sqft · 167 DOM
Sold · Jan ’26$295,000
611 GULF DRIVE N UNIT D27
2 bd · 1 ba · 794 sqft · $372/sqft · 57 DOM
Sold · Feb ’26$314,000
611 GULF DRIVE N UNIT B24
2 bd · 1 ba · 794 sqft · $395/sqft · 147 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 12507 CORTEZ ROAD W UNIT 58 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12507 CORTEZ ROAD W UNIT 58 — 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
12507 CORTEZ ROAD W UNIT 58 FAQs
What would the monthly payment be for 12507 CORTEZ ROAD W UNIT 58?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,194/mo — principal and interest, the actual property-tax bill, the $460/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 12507 CORTEZ ROAD W UNIT 58?+
The association fee works out to $460 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12507 CORTEZ ROAD W UNIT 58?+
The most recent tax bill on record (2024) was $1,803. 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 12507 CORTEZ ROAD W UNIT 58?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $224,900, this home is listed about 76% below the Cortez median of $950,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12507 CORTEZ ROAD W UNIT 58?+
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.
Listing courtesy of WAGNER REALTY · Ed Taaffe. MLS #A4673244.
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.
Never miss a listing
New Cortez homes, in your inbox
Like 12507 CORTEZ ROAD W UNIT 58 but not quite? A daily digest of every new listing in Cortez — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →