4324 SALTWATER PEARL WAY, CORTEZ, FL, 34215
Active8 days on marketListed Jul 31, 2026MLS #A4698456
About this home
4324 SALTWATER PEARL WAY
Under Construction. Experience net-zero coastal living in the award-winning, hurricane-resilient community of Hunters Point, just moments from Anna Maria Island. This four-bedroom, three-and-a-half-bath home is designed for luxury, efficiency, and resilience. This LEED-certified, net-zero energy home is expected to achieve an exceptional HERS Index Rating of -13 and generate more power than it consumes, helping eliminate traditional electric bills. Included features are solar panels, batteries, Tesla EV fast charger, smart energy systems, high-performance construction, storm-resistant materials, high-end finishes, open-concept coastal design, private elevator, flexible fourth bedroom, and an extended deck for outdoor living. Hunters Point has a proven record of hurricane resilience, with no community insurance claims or water intrusion even after major storms. Homeowners enjoy boating, outdoor recreation, low-maintenance living, and short-term rental-friendly ownership near Anna Maria Island. With Marriott/Mainsail now managing the community, owners benefit from professional hospitality-driven management that enhances both lifestyle and investment potential. A smarter way to live by the sea. Built not just for today, but for the future.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
1,783
Sqft
0.06 ac
Lot size
1
Garage
2026
Year built
Three Or More
Levels
$1,066
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 and the real association fee — not generic estimates.
$11,922 /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
$11,922/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.
$/sqft vs Cortez actives
$1,066 vs $511
Days on market
8 vs 82 typical
Where $1,066/sqft sits among the 15 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 15
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 157% above the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 4324 SALTWATER PEARL WAY
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$1,642,040
4328 SALTWATER PEARL WAY · same community
4 bd · 3.5 ba · 1,783 sqft · $921/sqft · 43 DOM
Sold · Jul ’26$2,100,000
4210 SALTWATER PEARL WAY · same community
4 bd · 3 ba · 1,803 sqft · $1,165/sqft · 1 DOM
Sold · Apr ’26$1,610,000
4305 MARINA VIEW WAY · same community
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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4324 SALTWATER PEARL WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4324 SALTWATER PEARL WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
4324 SALTWATER PEARL WAY FAQs
What would the monthly payment be for 4324 SALTWATER PEARL WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,922/mo — principal and interest, the actual property-tax bill, the $550/mo association fee 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.
How much are the HOA fees at 4324 SALTWATER PEARL WAY?+
The association fee works out to $550 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4324 SALTWATER PEARL WAY?+
The most recent tax bill on record (2025) was $2,967. 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 4324 SALTWATER PEARL WAY?+
The listing reports pets: Cats OK, Dogs OK, 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 $1,900,000, this home is listed about 90% above the Cortez median of $1,000,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4324 SALTWATER PEARL WAY?+
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
01Positioned at the premium end
$1,900,000 runs 157% above the CORTEZ 34215 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $550/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of BOYD REALTY · Landon Ellis. MLS #A4698456.
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 4324 SALTWATER PEARL WAY 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 Kat to ping you on any price or status change →