Steeve Cadeau
$900,0002 bd2 ba1,762 sqft$511 /sqft$6,020 /mo all-in ↓

3840 MARINERS WAY UNIT 514A, CORTEZ, FL, 34215

Active267 days on marketListed Oct 29, 2025MLS #A4669912

WaterfrontCondominiumMARINERS COVE I

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

WaterfrontFireplaceWater viewTurnkeyPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · Elevator · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Closet
CoolingCentral Air
HeatingCentral
FurnishedTurnkey

Outside & construction

RoofShingle
ConstructionBlock · Cedar · HardiPlank Type · Stucco
FoundationSlab
ViewWater
FacesSoutheast
ParkingGround Level · Guest · Under Building
ExteriorBalcony · Private Mailbox · Sidewalk · Sliding Doors · Storage · Tennis Court(s)

Community & fees

Taxes (2024)$7,994/yr
PetsYes
CommunityBoat Slip · Dock · Fishing · Intracoastal Waterway · Waterfront · Buyer Approval Required · Community Mailbox · Deed Restrictions · Gated Community - No Guard · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Underground Utilities · Water Connected
WaterPublic

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%

Principal & interest$4,856
PMI (est., until 20% equity)$338
Property tax — 2024 actual bill$666
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $90,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $90,000
Interest rate6.00%
Loan term

Estimated payment

$6,020/mo

Principal & interest$4,856
PMI (est., until 20% equity)$338
Property taxes (actual bill)$666
Est. insurance$160

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.

List $900K
$378KedgeAI estimate $497,087 · range $393K$539K$936K

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

4
3 · this home
3
1
1
1
$203–421$421–640$640–858$858–1076$1076–1295$1295+

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

Map of 3840 MARINERS WAY UNIT 514A

Drive times from this address

Downtown Tampa68 min
Tampa Int’l Airport (TPA)71 min

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

ElementarySea Breeze Elementary School★★★★
MiddleW. D. Sugg Middle School★★★★★
HighBayshore High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Cortez market

Seller’s marketLeans buyer12.7 months of inventoryBuyer’s 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

Oct 29, 2025Listed at $900,000 · 267 days on market since
1984Built · MARINERS COVE I

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.

3909 117TH STREET WSold · Jul ’26

$410,000

3909 117TH STREET W

3 bd · 2 ba · 1,774 sqft · $231/sqft · 1 DOM

4318 MARINA VIEW WAYSold · Oct ’25

$1,350,000

4318 MARINA VIEW WAY

3 bd · 2.5 ba · 1,683 sqft · $802/sqft · 0 DOM

4305 MARINA VIEW WAYSold · 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3840 MARINERS WAY UNIT 514A — start here.

Andrew Acosta

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.

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.

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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