12917 42ND TERRACE W, CORTEZ, FL, 34215
Active170 days on marketListed Feb 13, 2026MLS #A4682214
About this home
12917 42ND TERRACE W
Welcome to this stunning home in the exclusive Sunset Harbor gated community, a private enclave of eight custom-built residences situated on the tranquil Anna Maria Sound. No expense was spared on this gorgeous waterfront home featuring 4 bedroom 3.5 baths with over 5000 sq ft of indoor/outdoor living space. Ceiling fans in every bedroom, custom shelving enhanced closets, upgraded lighting, quartz countertops, custom cabinets and trim work throughout, solid wood 8’ doors, Hunter Douglas plantation shutters, and a stunning hand-built Ambrosia maple wood staircase are just a some of the features in this newly constructed custom home. Built to Florida Category 5 hurricane standards, this residence includes a tankless water heater, two Trane heating and air conditioning units, controlled by Honeywell Home programmable thermostats and a 50-year concrete flat roof and newly installed reinforced rip rap along a concrete wall at the rear of the property add durability. Step outside to your oasis back yard complete with a 11 by 38-foot heated saltwater pool and spa with designer lighting, all set atop a concrete raised platform. An outdoor custom built outdoor kitchen with a wet bar, refrigerator and propane-powered grill are perfect for entertaining and dining poolside while enjoying incredible views of Anna Maria sound. A 950-pound capacity elevator with Italian marble flooring serves all three floors. The rear of the home includes two 10-by-30-foot fenced decks with porcelain tile flooring, a new dock with an assigned slip that includes a 10,000-pound lift with water and power. The garage level is built on 31 thirty-foot concrete/steel reinforced pylons and features an outdoor shower and a 75-by-25-foot outdoor living area with custom turf and travertine pavers. The oversized garage accommodates 2-4 vehicles and features keyless entry, epoxy concrete flooring, and aluminum ceiling storage racks. The second floor showcases custom-built cabinets in the library, a Hunter Douglas hardwired designer roller sunshade on the slider, a 9-by-11-foot covered front porch, and a custom hand-built fireplace mantle with a propane starting system. The kitchen is thoughtfully designed with lighting in and under the cabinets, a farmhouse porcelain sink, a Kitchen-Aid ice maker that produces 25 pounds of ice daily, a Silhouette professional beverage refrigerator, and custom-built cabinets with a hooded specialty-designed vent. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,798
Sqft
0.23 ac
Lot size
4
Garage
2023
Year built
Two
Levels
$1,143
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.
$20,784 /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
$20,784/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
+43.9%
$/sqft vs Cortez actives
$1,143 vs $511
Days on market
170 vs 134 typical
Where $1,143/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 Sunset Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Cortez. See the full Cortez guide →
Sunset Harbor — neighborhood snapshot
Population
90
Median age
63
Median income
$110,045
Median home value
$493,500
Avg household
2
Households w/ children
1%
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 15
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 433% above the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 12917 42ND TERRACE W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$90,000
10320 SE 159TH STREET · same community
3 bd · 2 ba · 2,887 sqft · $31/sqft · 9 DOM
Sold · Dec ’25$900,000
115 SUNSET HARBOR WAY UNIT 301 · same community
3 bd · 3.5 ba · 2,416 sqft · $373/sqft · 285 DOM
Sold · Jun ’26$285,000
10430 SE 159TH STREET · same community
3 bd · 2 ba · 1,632 sqft · $175/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 12917 42ND TERRACE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12917 42ND TERRACE 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
12917 42ND TERRACE W FAQs
What would the monthly payment be for 12917 42ND TERRACE W?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,784/mo — principal and interest, the actual property-tax bill, the $333/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 12917 42ND TERRACE W?+
The association fee works out to $333 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12917 42ND TERRACE W?+
The most recent tax bill on record (2025) was $21,960. 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 12917 42ND TERRACE W?+
The listing reports pets: Cats OK, Dogs OK, Yes. 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 $3,199,000, this home is listed about 237% above the Cortez median of $950,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12917 42ND TERRACE 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
01Positioned at the premium end
$3,199,000 runs 433% above the CORTEZ 34215 median — but at 2,798 sqft it's also 67% larger than the typical Cortez listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $3,299,000, now $3,199,000 — a $100K cut. The full history is in the market section below.
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Dee Munn. MLS #A4682214.
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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