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12917 42ND TERRACE W

Cortez, FL, 34215

Active

$3,199,000

4

Bedrooms

4

Bathrooms

2,798 sqft

Living Area

2023

Year Built

10,023

Lot Size (sqft)

$4,000

HOA / Annually

109

Days on Market

Dock Score™

DockOnly
79
Good

What shaped this score

Bay
Dock with boat lift
Bridge-free to bay & ocean
Fits boats up to ~90ft (est.)

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

Dock & Water AccessMLS

Bay/Harbor

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

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!

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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 MICHAEL SAUNDERS & COMPANY via Stellar MLS

Last checked: September 8, 2026

Listing updated: June 2, 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%

$639,800 down

%
Principal & Interest$16,599/mo
Property Tax (est. ~1.2%, varies by county)$3,199/mo
Home Insurance (est.)$250/mo
HOA Fees$333/mo
Total Monthly Payment$20,381
Loan Amount: $2,559,200Rate: 6.75%
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$3,199,000Tour 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.