4212 126TH STREET W UNIT 407, CORTEZ, FL, 34215
Active7 days on marketListed Aug 6, 2026MLS #A4702251
About this home
4212 126TH STREET W UNIT 407
Waterfront Living at Its Finest – Top Floor Condo with 40-Foot Deep Water Boat Slip! Enjoy the ultimate Florida lifestyle from this light-filled top-floor 2-bedroom, 2-bath residence in the highly desirable waterfront community of Smuggler's Landing. This spacious condominium includes a private 40-foot boat slip on a protected deep-water canal with direct access to the Intracoastal Waterway and the Gulf of Mexico—perfect for boating enthusiasts. Inside, you'll find soaring cathedral ceilings, an open split-bedroom floor plan with two en-suite bedrooms, each featuring walk-in closets, ceramic tile flooring throughout the main living areas, walk-in pantry, breakfast bar, and a bright galley-style kitchen designed for everyday convenience. The expansive living room flows effortlessly into a glass-enclosed lanai overlooking the peaceful canal, creating the perfect place to enjoy your morning coffee or unwind while watching spectacular Florida sunsets. A large bonus family/game room provides additional living space ideal for entertaining, working from home, or simply relaxing. Two covered parking spaces conveniently located near the elevator and stairs add to the ease of everyday living. Residents of Smuggler's Landing enjoy resort-style amenities including a waterfront swimming pool, tennis courts, fitness center, and beautifully maintained grounds. Ideally located in the historic fishing village of Cortez, you're just minutes from the sugar beaches of Anna Maria Island, waterfront restaurants, boutique shopping, marinas, and endless opportunities for boating, fishing, kayaking, and coastal adventures. This is an exceptional opportunity to enjoy the very best of Florida waterfront living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,212
Sqft
3.25 ac
Lot size
1989
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$181 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$181/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Cortez actives
$2 vs $656
Days on market
7 vs 82 typical
Where $2/sqft sits among the 16 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
$1.3M → $1.9M
Cortez median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
7 of 16
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% below the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 4212 126TH STREET W UNIT 407
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$475,000
4107 129TH STREET W UNIT 203 · same community
2 bd · 2 ba · 1,468 sqft · $324/sqft · 624 DOM
Sold · Dec ’25$350,000
10315 CORTEZ RD W UNIT 13H
2 bd · 2 ba · 1,188 sqft · $295/sqft · 62 DOM
Sold · Mar ’26$375,000
3911 118TH STREET W
2 bd · 1 ba · 1,170 sqft · $321/sqft · 13 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4212 126TH STREET W UNIT 407 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4212 126TH STREET W UNIT 407 — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4212 126TH STREET W UNIT 407 FAQs
What would the monthly payment be for 4212 126TH STREET W UNIT 407?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $181/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4212 126TH STREET W UNIT 407?+
The listing reports pets: Cats OK, Dogs OK, Pet Deposit. 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 $2,900, this home is listed about 100% below the Cortez median of $1,000,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4212 126TH STREET W UNIT 407?+
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.
The brief
Three things that matter here
01Under the CORTEZ 34215 market on paper
$2,900 is 100% below the CORTEZ 34215 median of $739,000, and at $2/sqft it sits under the Cortez average of $674.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 7 days on market in a Cortez market that averages 82 — if it fits, move quickly.
Listing courtesy of LUXE COASTAL PROPERTIES · Warren McGregor. MLS #A4702251.
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.
Never miss a listing
New Cortez homes, in your inbox
Like 4212 126TH STREET W UNIT 407 but not quite? A daily digest of every new listing in Cortez — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Tommy to ping you on any price or status change →