12007 45TH AVENUE W, CORTEZ, FL, 34215
Active202 days on marketListed Jan 9, 2026MLS #A4677439
About this home
12007 45TH AVENUE W
Beautiful two-bedroom, two-and-a-half-bath home filled with quaint character, ideally located in the historic district of Cortez, FL! Just over one mile from stunning, sun-soaked Florida beaches, enjoy exploring the scenic coastline this area is known for. Recent updates include fresh interior paint, new baseboards, pine flooring, and updated kitchen appliances. Both full bathrooms have been updated, with the primary bath featuring a quartz double-vanity countertop and a newly redesigned walk-in shower. An addition and expansion completed during current ownership added valuable living space along with a spacious two-car garage equipped with 50-amp electrical service, perfect for an RV hookup. Out back, you'll love the inviting covered deck which is excellent for entertaining. Relax while sipping your favorite beverage on the screened-in, covered side patio—perfect for morning coffee or evening unwinding. This prime location offers easy access to beachside restaurants and charming shops, with additional shopping and dining just a short drive inland. Nature enthusiasts will love being only eight miles from Robinson Preserve, featuring over 600 acres of trails, waterways, and kayaking opportunities!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,356
Sqft
0.23 ac
Lot size
2
Garage
1936
Year built
One
Levels
$442
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 — not generic estimates.
$3,819 /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
$3,819/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.
$/sqft vs Cortez actives
$442 vs $548
Days on market
202 vs 134 typical
Where $442/sqft sits among the 14 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 14
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 12007 45TH AVENUE W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$725,000
108 9TH STREET S UNIT E
2 bd · 2 ba · 1,326 sqft · $547/sqft · 36 DOM
Sold · May ’26$860,000
1105 GULF DRIVE S UNIT 3
2 bd · 2.5 ba · 1,388 sqft · $620/sqft · 7 DOM
Sold · Oct ’25$399,000
10315 CORTEZ ROAD W UNIT 5H
2 bd · 2 ba · 1,404 sqft · $284/sqft · 0 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 12007 45TH AVENUE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12007 45TH AVENUE W — 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
12007 45TH AVENUE W FAQs
What would the monthly payment be for 12007 45TH AVENUE W?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,819/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12007 45TH AVENUE W?+
The most recent tax bill on record (2024) was $2,356. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Cortez?+
At $600,000, this home is listed about 37% below the Cortez median of $950,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12007 45TH AVENUE W?+
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.
Keep looking
Similar homes nearby
Listing courtesy of PREFERRED SHORE LLC · Meghan Keever. MLS #A4677439.
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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