
3840 MARINERS WAY UNIT 514A, CORTEZ, FL, 34215
Active267 days on marketListed Oct 29, 2025MLS #A4669912
About this home
3840 MARINERS WAY UNIT 514A
Presenting a rare and distinguished opportunity to enjoy panoramic waterfront vistas, complemented by the exceptional offering of two boat slips, a rarity along the coast. Ideally set in the prestigious gated enclave of Mariner’s Cove where refined waterfront living is elevated to an art form. Set between the tranquil shores of Anna Maria Sound and Palma Sola Bay, this residence is a statement of timeless design. For the boating enthusiast, the residence includes a rare two slips equipped with a full power pedestal capable of holding a large boat, storage box and ideally at the end of the canal for direct access to the Intracoastal Waterway, offering seamless navigation to Anna Maria Sound, Palma Sola Bay, Tampa Bay and Gulf of America. Upon arrival via elevator, you are welcomed into an expansive open-concept residence is a sanctuary of natural light that effortlessly blends coastal ease and anchored by a refined fireplace and framed by floor-to-ceiling glass sliders, inviting the outdoors in and offering uninterrupted vistas of the water beyond. At the center is a dramatic, 30-foot expanse screened lanai with coveted northwest exposure ideal for capturing both morning serenity and evening sunsets. Unique to this residence is an expansive deep-set front patio, a distinctive feature. The kitchen is a culinary work of art, showcasing warm-toned granite counters, designer backsplash, all wood cabinetry with extra pantry storage, and premium stainless-steel appliances with Sub-Zero paneled refrigerator, every detail curated to enhance form and function. In the owner’s suite, panoramic water views create an ever-changing backdrop of coastal splendor. Private access to the lanai, a luxurious en-suite bath with dual vanities, a walk-in shower and a separate soaking tub further underscore the home's spa-like tranquility. Additional appointments include a laundry closet, a secure under-building storage unit, two covered parking spaces, crown molding throughout and recent mechanical upgrades including a newer HVAC system and water heater. Residents of Mariner’s Cove enjoy an array of upscale amenities, including three protected canals, two heated swimming pools, tennis and pickleball courts, and lushly landscaped grounds in a gated community setting. Ideally just one mile from the sugar-sand beaches of Anna Maria Island and near the historic fishing village of Cortez, where waterfront dining, boutiques and marine adventures await. This is more than a residence, it is a curated lifestyle defined by serenity, exclusivity and finest elements of coastal living. An extraordinary opportunity for the discerning buyer seeking a home of distinction in one of Florida’s desired waterfront communities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,762
Sqft
0 ac
Lot size
1984
Year built
One
Levels
$511
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.
$6,020 /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
$6,020/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
+81.1%
$/sqft vs Cortez actives
$511 vs $473
Days on market
267 vs 134 typical
Where $511/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 50% 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 514A
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$410,000
3909 117TH STREET W
3 bd · 2 ba · 1,774 sqft · $231/sqft · 1 DOM
Sold · Oct ’25$1,350,000
4318 MARINA VIEW WAY
3 bd · 2.5 ba · 1,683 sqft · $802/sqft · 0 DOM
Sold · Apr ’26$1,610,000
4305 MARINA VIEW WAY
3 bd · 2.5 ba · 1,683 sqft · $957/sqft · 22 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3840 MARINERS WAY UNIT 514A — 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 514A — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
3840 MARINERS WAY UNIT 514A FAQs
What would the monthly payment be for 3840 MARINERS WAY UNIT 514A?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,020/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 514A?+
The most recent tax bill on record (2024) was $7,994. 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 514A?+
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 $900,000, this home is listed about 5% 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 514A?+
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 PREMIER SOTHEBY'S INTERNATIONAL REALTY · Kevin Milner. MLS #A4669912.
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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