3840 MARINERS WAY UNIT 524A, CORTEZ, FL, 34215
Active69 days on marketListed May 15, 2026MLS #A4693852
About this home
3840 MARINERS WAY UNIT 524A
Do you have a boat? Or always wanted one? Love fishing? Or just content to look out at the huge expanse of Anna Maria Sound, with a coffee in hand in the morning or a glass of wine looking at the incredible sunsets in the evening? Then this is the place for you! Watch the porpoises play literally a few dozen feet away, or a family of manatees leisurely cruise by. Fisherman? Catch a redfish or a snook for dinner, right off your own back yard! Mariner's Cove is an very private 80 unit gated community in Cortez FL, with 2 pools, tennis, a kayak launch, and a private boat slip, which we are told will take up to a 35 ft boat (you can add your own boat lift!). We're just a hop, skip and a jump (locally, we call that a bridge) from Anna Maria island with its incredible array of restaurants, miles of gorgeous beaches and nonstop nightlife. Easily access to Bradenton, Lakewood Ranch and Sarasota, as well. This nicely updated condo has 2 bedrooms downstairs and a big loft upstairs for additional guests. Kitchen, bathrooms, flooring, hurricane sliders among updates, two under building assigned parking spaces, kayak storage, additional storage area, and an elevator, are among the many bells and whistles this second floor unit offers a new owner. Come visit! You'll love it!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,942
Sqft
4.37 ac
Lot size
1984
Year built
Two
Levels
$425
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.
$5,367 /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
$5,367/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
+44.8%
$/sqft vs Cortez actives
$425 vs $511
Days on market
69 vs 134 typical
Where $425/sqft sits among the 13 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 13
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% above the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 3840 MARINERS WAY UNIT 524A
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$375,000
3808 118TH STREET W
3 bd · 2 ba · 1,972 sqft · $190/sqft · 134 DOM
Sold · Jun ’26$475,000
3620 118TH STREET W
2 bd · 2 ba · 1,802 sqft · $264/sqft · 187 DOM
Sold · Jul ’26$1,642,040
4328 SALTWATER PEARL WAY
4 bd · 3.5 ba · 1,783 sqft · $921/sqft · 43 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 3840 MARINERS WAY UNIT 524A — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3840 MARINERS WAY UNIT 524A — 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
3840 MARINERS WAY UNIT 524A FAQs
What would the monthly payment be for 3840 MARINERS WAY UNIT 524A?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,367/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 3840 MARINERS WAY UNIT 524A?+
The most recent tax bill on record (2025) was $5,348. 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 3840 MARINERS WAY UNIT 524A?+
The listing reports pets: Cats OK, Dogs OK. 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 $825,000, this home is listed about 13% below the Cortez median of $950,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3840 MARINERS WAY UNIT 524A?+
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 COMPASS FLORIDA LLC · Rich Polese. MLS #A4693852.
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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