12917 42nd Terrace, FL

$3,249,000

12917 42nd Terrace

Cortez, FL 34215

Active
4
Beds
4
Baths
2,798
Sq Ft
0.23
Acres
2023
Built
WaterfrontWater accessPrivate poolFireplace4-car garage$1,161/sqft
🏠Single Family Residence

Property type

🏗️2023

Year built

📐10,023 sqft

Lot size

📊$1,161

Price / sq ft

🏘️$333/mo

HOA dues

📅55

Days on market

🚗4

Garage spaces

🌊AE

Flood zone

About this home

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!

Estimated monthly payment

Principal & interest$16,429
Property taxes$1,830
Home insurance (est.)$1,489
HOA dues$333

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history55 days on market

  1. Status: Active
    Feb 13, 2026
  2. Listed$3,299,000
    Feb 13, 2026
  3. Price reduced$3,249,000

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
55
Subdivision
Sunset Harbor
County
Manatee
Year built
2023
Living area
2,798 sq ft
Price/sq ft
$1,161
Building area
5,278 sq ft (Public Records)
Lot size
10,023 sq ft
Lot category
0 to less than 1/4
Flood zone
AE (12081C0277F)
Garage
4 spaces
Pool
Private pool
Annual taxes
$21,960 (2025)
Parcel #
7619700250
Zoning
PDR/CH
MLS #
A4682214

Interior Details

Bedrooms
4
Full bathrooms
3
Half bathrooms
1
Flooring
Carpet, Luxury Vinyl, Tile, Wood
Appliances
Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Tankless Water Heater, Washer
Interior features
Built-in Features, Ceiling Fans(s), Coffered Ceiling(s), Crown Molding, Eat-in Kitchen, Elevator, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Solid Wood Cabinets, Thermostat, Tray Ceiling(s), Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
Laundry
Electric Dryer Hookup, Inside, Laundry Room, Upper Level, Washer Hookup
Stories / Levels
Two
Direction faces
West
Fireplace
Yes

Heating & Cooling

Heating
Central, Electric, Exhaust Fan, Propane
Cooling
Central Air

Parking

Garage spaces
4
Attached garage
Yes
Parking features
Driveway, Garage Door Opener, Oversized

HOA & Financial

HOA fee
$4,000 / Annually
Monthly HOA
$333/mo
Total monthly fees
$333/mo
Total annual fees
$4,000
HOA name
SUNSET PROPERTY MANAGEMENT
CDD
No
Homestead exemption
Yes
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
No

Exterior & Construction

Exterior features
Balcony, French Doors, Lighting, Outdoor Grill, Outdoor Kitchen, Outdoor Shower, Private Mailbox, Sliding Doors
Construction materials
Block, Cement Siding, Frame
Roof
Concrete
Foundation
Slab
Pool
Private pool
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Available, Cable Connected, Electricity Connected, Fiber Optics, Propane, Sewer Connected, Underground Utilities, Water Connected

Community

Pets allowed
Cats OK, Dogs OK, Yes

Room Details

RoomLevelDimensions
Living RoomFirst17.6x19.1
Dining RoomFirst11.1x8.6
KitchenFirst17.6x14.9
Primary BedroomSecond19x13.5
DenSecond10x10.4
Bedroom 2Second13.7x10.8
Bedroom 3Second13.5x12
Bedroom 4First13.9x13.3

Listing Details

Listing date
2026-02-13
On market date
2026-02-13
Original list price
$3,299,000
Occupant type
Owner
MLS area
34215 - Cortez
Listing AOR
Sarasota - Manatee
Status changed
2026-02-13
Tax legal description
LOT 3 SUNSET HARBOR SUB; SUBJ TO PRIVATE ROADWAY AS PLATTED PI#76197.0025/0

Flood risk

High riskFEMA Zone AEPanel 12081C0277F

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

West on Cortez Rd to 127th St W. Follow road to gated community on your left Sunset Harbor. Home is on the left.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of April 9, 2026 at 3:58 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA