4416 123RD ST COURT W, CORTEZ, FL, 34215
Active177 days on marketListed Feb 12, 2026MLS #A4682069
About this home
4416 123RD ST COURT W
Quaint two bedroom, 1 bath cottage, original to the Historic Cortez Fishing Village, one of Florida's last remaining working waterfront communities. This cozy home offers a newer metal roof, many original details & charm, and a unique, laid-back coastal lifestyle . The home offers a private rear porch AND a detached bonus structure to use as a shed or reimagined studio or bonus room. Walking Distance from local favorites like the Star Fish Company & Seafood Market, Swordfish Grill, Tide Tables and the Florida Maritime Museum. Approximately one mile from the pristine beaches of Anna Maria Island. Pictures were taken when the home was a vacation rental and is currently being sold unfurnished.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
844
Sqft
0.1 ac
Lot size
1938
Year built
One
Levels
$473
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.
$3,073 /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
$3,073/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
$473 vs $656
Days on market
177 vs 82 typical
Where $473/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
$1.3M → $1.9M
Cortez median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
6 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 46% below the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 4416 123RD ST COURT W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$640,000
9220 43RD TERRACE W · same community
3 bd · 2 ba · 2,538 sqft · $252/sqft · 171 DOM
Sold · Jul ’26$265,000
8 6TH STREET
2 bd · 1 ba · 844 sqft · $314/sqft · 78 DOM
Sold · Nov ’25$400,000
10315 CORTEZ ROAD W UNIT 38BV
2 bd · 2 ba · 888 sqft · $450/sqft · 221 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 4416 123RD ST COURT W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4416 123RD ST COURT 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
4416 123RD ST COURT W FAQs
What would the monthly payment be for 4416 123RD ST COURT W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,073/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 4416 123RD ST COURT W?+
The most recent tax bill on record (2024) was $4,651. 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 $399,000, this home is listed about 60% below the Cortez median of $1,000,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4416 123RD ST COURT 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.
The brief
Three things that matter here
01Under the CORTEZ 34215 market on paper
$399,000 is 46% below the CORTEZ 34215 median of $739,000, and at $473/sqft it sits under the Cortez average of $674.
02Time on market is leverage
177 days on market against a Cortez median of 82 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $475,000, now $399,000 — a $76K cut. The full history is in the market section below.
Listing courtesy of MIKE NORMAN REALTY INC. · Rochelle Bowers. MLS #A4682069.
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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