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12917 42ND TERRACE W

Cortez, FL, 34215

Active

$2,999,999

4

Bedrooms

4

Bathrooms

2,798 sqft

Living Area

2023

Year Built

10,023

Lot Size (sqft)

$4,000

HOA / Annually

4

Days on Market

Dock Score™

DockOnly
69
Good

What shaped this score

✓Bay Front
✓Dock with boat lift
✓Bridge-free to bay & ocean
✓Premium waterfront location
Est. waterfront~85 ft

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

Bay/Harbor📝 10K-lb boat lift

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall DetectedDeep Water Indicators~77-103 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Open WaterDockOnly

This dock fronts open water — a bay, harbor or marina basin rather than a canal.

There is no across-the-canal bank here, so no canal width applies and boat length is not limited by room to turn around. Check depth, beam and slip dimensions with the listing agent.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

Newly built direct bay front home in gated Sunset Harbor offers full sunset views over Anna Maria Island. Situated on a private cul-de-sac with 85 feet of Intracoastal Waterway frontage, the elevated residence includes 4 bedrooms, 3.5 baths, 2,798 square feet of heated living space, a private elevator, and an oversized four-car garage. The open floor plan features high ceilings, a gas fireplace, and a kitchen with solid wood cabinetry, solid-surface countertops, and built-in appliances. Upstairs includes the primary suite, a study/den, and guest bedrooms. Outdoor amenities include a heated saltwater pool with a 38-foot lap lane, an in-ground spa, covered living areas, and an outdoor kitchen—all overlooking the water with sunset views toward Anna Maria Island. A deeded on-site boat slip includes a private dock with water and electric, a fish-cleaning station, and a 10,000-pound boat lift. Enjoy sunsets all year long! Walking distance to the beaches, shops and restaurants of Anna Maria Island!

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See the property and tour the dock. A licensed waterfront specialist will arrange your private showing.

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Location

Cortez, FL, 34215

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of COLDWELL BANKER REALTY via Stellar MLS

Last checked: 7 hours ago

Listing updated: October 24, 2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

FEMA Flood Zone AE
BFE: 9ft

Special Flood Hazard Area

View FEMA Flood Map →
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Estimate your monthly payment for this waterfront property

20%

$600,000 down

%
Principal & Interest$15,566/mo
Property Tax (est. ~1.2%, varies by county)$3,000/mo
Home Insurance (est.)$250/mo
HOA Fees$333/mo
Total Monthly Payment$19,150
Loan Amount: $2,399,999Rate: 6.75%
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$2,999,999Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.