12413 GULF BREEZE TERRACE, CORTEZ, FL, 34215
Active156 days on marketListed Feb 28, 2026MLS #A4684157
About this home
12413 GULF BREEZE TERRACE
Pre-Construction. To be built. Pre-Construction. To be built. NET ZERO COASTAL LIVING to be built in the AWARD WINNING, hurricane-resilient community of Hunters Point, just moments from Anna Maria Island! This upcoming residence represents the next generation of luxury coastal living where sustainability, safety, and sophistication meet. Designed with the future in mind, this will be a LEED Certified, net-zero energy home that will generate more power than it consumes, eliminating electric bills entirely. Expect a HERS Index Rating of 0, Tesla EV fast charger, and smart energy systems that will make this home as efficient as it is elegant. To be built with cutting-edge storm-resistant materials, it’s engineered to withstand Florida’s harshest weather with a proven record of no insurance claims or water intrusion in the community, even after major hurricanes. Inside, the modern coastal design will showcase an open-concept layout, high-end finishes, and a private elevator for effortless access between floors. The optional fourth bedroom offers added flexibility for guests, a home office, or expanded family living, while an extended deck provides the perfect vantage point for uninterrupted sunset views over the water. Homeowners at Hunters Point enjoy exclusive access to boating, outdoor recreation, and all the charm of life near Anna Maria Island without the maintenance or worry. Each residence is designed to be self-sustaining, low-maintenance, and short-term rental friendly, offering both personal enjoyment and investment potential. Furniture packages available. Experience a smarter way to live by the sea! A home built not just for today, but for the future.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,678
Sqft
0.05 ac
Lot size
1
Garage
2025
Year built
Three Or More
Levels
$774
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.
$8,412 /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
$8,412/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
+12.4%
$/sqft vs Cortez actives
$774 vs $511
Days on market
156 vs 88 typical
Where $774/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)
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 94% above the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 12413 GULF BREEZE TERRACE
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$1,465,000
4337 MARINA VIEW WAY · same community
3 bd · 2.5 ba · 1,678 sqft · $873/sqft · 182 DOM
Sold · Nov ’25$1,095,000
4337 SALTWATER PEARL WAY · same community
3 bd · 2.5 ba · 1,678 sqft · $653/sqft · 49 DOM
Sold · Oct ’25$1,150,000
4215 SALTWATER PEARL WAY · same community
3 bd · 2.5 ba · 1,678 sqft · $685/sqft · 170 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 12413 GULF BREEZE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12413 GULF BREEZE TERRACE — 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
12413 GULF BREEZE TERRACE FAQs
What would the monthly payment be for 12413 GULF BREEZE TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,412/mo — principal and interest, the actual property-tax bill, the $550/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 12413 GULF BREEZE TERRACE?+
The association fee works out to $550 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12413 GULF BREEZE TERRACE?+
The most recent tax bill on record (2025) was $2,466. 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 12413 GULF BREEZE TERRACE?+
The listing reports pets: 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 $1,299,000, this home is listed about 44% above the Cortez median of $900,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12413 GULF BREEZE TERRACE?+
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 BOYD REALTY · Landon Ellis. MLS #A4684157.
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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