$899,000

3840 Mariners Way Unit 525B Cortez, FL 34215

Estimated payment $6,971/month

3 Beds
2 Baths
2,156 Sq Ft
$417 Price per Sq Ft

Highlights

  • White Water Ocean Views
  • Assigned Boat Slip
  • Property fronts an intracoastal waterway
  • Dock has access to electricity and water
  • Water access To Gulf or Ocean
  • Gated Community

About This Home

SELLER FINANCING AVAILABLE! Rarely available at MARINER'S COVE! Waterfront condo offering breathtaking Intra-coastal Waterway views from this spacious 3B/2B residence with BONUS loft and 2,460 sq. ft. of living space, located in the private GATED community of Mariner’s Cove in Cortez FL. 2 large dogs allowed! This property is being sold in "white box condition", which means the condo has ALL BRAND NEW DRYWALL and ready for a new owner to finish and customize with texturing and painting the walls and ceilings. The unit experienced minor interior water intrusion from the roof during Hurricane Helene and is being sold AS-IS. KITCHEN AND BATHROOMS are updated. Enjoy a deeded 30’ x 16’ BOAT SLIP that accommodates up to a 32-foot vessel located just outside your front door, private ELEVATOR access, and 2 deeded under-building parking spaces with a private storage unit. The large screened lanai offers sweeping views of the Intra-coastal waters of ANNA MARIA SOUND where you can relax and watch dolphins, seabirds, and unforgettable sunsets. Inside laundry adds convenience. MONTHLY HOA FEE OF $1484 INCLUDES: Cable TV, 2 Community Pools, Escrow Reserves Fund, Fidelity Bond, Building Insurance, Internet, Maintenance Exterior, Maintenance Grounds, Maintenance Repairs, Manager, Pest Control, Private Road, Recreational Facilities, Sewer, Trash, Water, gate and tennis court maintenance.
Mariner’s Cove offers 2 heated swimming pools, a spa, 2 PICKLE BALL COURTS AND one TENNIS COURT, a scenic boardwalk along the marina, and lush tropical landscaping in a secure, gated environment. Located just half a mile from the Gulf beaches of Anna Maria Island and close to local favorites such as Tide Tables, Star Fish Company, and Cortez Kitchen. This is a rare opportunity to own a waterfront property with exceptional boating access and endless potential to create your ideal coastal retreat.

Listing Agent

Cindy Quinn

SATO REAL ESTATE INC. Brokerage Phone: 941-778-7200 License #0666786 Listed on: 10/30/2025

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $9,366

Year Built

  • Built in 1984

Lot Details

  • Property fronts an intracoastal waterway
  • Property Fronts a Bay or Harbor
  • Property fronts a saltwater canal
  • Northwest Facing Home
  • Mature Landscaping

HOA Fees

  • $1,484 Monthly HOA Fees

Property Views

  • White Water Ocean
  • Intracoastal

Home Design

  • Elevated Home
  • Entry on the 2nd floor
  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 2,156 Sq Ft Home
  • 2-Story Property
  • Open Floorplan
  • Cathedral Ceiling
  • Ceiling Fan
  • Wood Burning Fireplace
  • Window Treatments
  • Great Room
  • Living Room with Fireplace
  • Dining Room
  • Storage Room
  • Inside Utility

Kitchen

  • Breakfast Bar
  • Built-In Convection Oven
  • Range
  • Microwave
  • Dishwasher
  • Stone Countertops
  • Solid Wood Cabinet
  • Disposal

Flooring

  • Wood
  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan
  • Walk-In Closet
  • 2 Full Bathrooms
  • Shower Only

Laundry

  • Laundry in unit
  • Dryer
  • Washer

Home Security

Parking

  • Garage
  • 2 Carport Spaces
  • Basement Garage
  • 2 Assigned Parking Spaces

Outdoor Features

  • Water access To Gulf or Ocean
  • Access To Intracoastal Waterway
  • No Fixed Bridges
  • Access to Saltwater Canal
  • Assigned Boat Slip
  • Dock has access to electricity and water
  • Deeded Boat Dock
  • Balcony
  • Deck
  • Covered Patio or Porch
  • Outdoor Storage

Schools

  • Sea Breeze Elementary School
  • W.D. Sugg Middle School
  • Bayshore High School

Utilities

  • Central Heating and Cooling System
  • Electric Water Heater
  • Cable TV Available

Additional Features

  • Reclaimed Water Irrigation System
  • Flood Zone Lot

Listing and Financial Details

  • Tax Lot 525
  • Assessor Parcel Number 7601321354

Community Details

Overview

  • Association fees include cable TV, pool, escrow reserves fund, fidelity bond, insurance, internet, maintenance structure, ground maintenance, maintenance, management, pest control, private road, recreational facilities, sewer, trash, water
  • C&S Management Dana Cloer Association, Phone Number (941) 758-9454
  • Visit Association Website
  • Mariners Cove Condo Community
  • Mariners Cove Condo Ph I Subdivision
  • The community has rules related to allowable golf cart usage in the community

Amenities

  • Elevator
  • Community Storage Space

Recreation

  • Tennis Courts
  • Community Pool

Pet Policy

  • 2 Pets Allowed
  • Dogs and Cats Allowed

Security

  • Gated Community
  • Fire and Smoke Detector

Property Details

Home Type

Condominium

Est. Annual Taxes

$9,366

Year Built

Built in 1984

Lot Details

0

HOA Fees

$1,484 per month

Listing Details

  • HOA Fee Includes: Cable TV, Pool, Escrow Reserves Fund, Fidelity Bond, Insurance, Internet, Maintenance Structure, Maintenance Grounds, Maintenance, Management, Pest Control, Private Road, Recreational Facilities, Sewer, Trash, Water
  • Property Type: Residential
  • Property Sub Type: Condominium
  • Construction Materials: Block, Stucco
  • Fireplace: Yes
  • Living Area: 2156
  • New Construction: No
  • Year Built: 1984
  • Building Area Total: 2460
  • Status: Active
  • Ownership: Condominium
  • Entry Level: 2
  • Escrow State: FL
  • Floor Number: 2
  • Minimum Lease: 3 Months
  • Number Of Pets: 2
  • RATIO Current Price By Calculate: 416.98
  • Total Acreage: Non-Applicable
  • Water Access YN: 1
  • Condo Fees Term: Monthly
  • Property Description: Elevated
  • MFR_NumAssignedParkingSpaces: 2
  • MFR_InLawSuiteYN: 0
  • MFR_DockDescription: Dock - Slip Deeded On-Site,Dock w/Electric,Dock w/Water Supply
  • MFR_DockYN: 1
  • MFR_CommunityAssociationWaterFeatures: Bay/Harbor Front,Boat Slip,Canal Front,Dock,Fishing,Intracoastal Waterway,Water Access,Waterfront
  • Attribution Contact: 941-778-7200
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Fireplace Features: Living Room, Wood Burning
  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile, Wood
  • Full Bathrooms: 2
  • Interior Amenities: Cathedral Ceiling(s), Ceiling Fans(s), High Ceilings, Open Floorplan, Solid Wood Cabinets, Split Bedroom, Stone Counters, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
  • Appliances Included: Built-In Oven, Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 3
  • Levels: One
  • Stories: 2
  • Additional Rooms: Great Room,Inside Utility,Storage Rooms
  • Living Area Meters: 200.30

Exterior Features

  • Direction Faces: Northwest
  • Exterior Features: Balcony, Storage, Tennis Court(s)
  • Roof: Shingle
  • Home Warranty: No
  • Pool Private: No
  • View: Water
  • Water Body Name: ANNA MARIA SOUND
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Deck, Patio, Porch
  • Road Surface Type: Asphalt
  • Water Access: Bay/Harbor,Canal - Saltwater,Gulf/Ocean,Intracoastal Waterway
  • Water Extras: Assigned Boat Slip,Bridges - No Fixed Bridges,Sailboat Water
  • Water View: Bay/Harbor - Full,Intracoastal Waterway
  • Water View YN: 1
  • Waterfront Feet Total: 0

Garage/Parking

  • Carport Spaces: 2
  • Carport Y N: Yes
  • Garage Yn: No
  • Parking Features: Assigned, Covered, Basement

Utilities

  • Utilities: Cable Connected, Electricity Connected, Public, Sewer Connected, Sprinkler Recycled, Water Connected
  • Cooling: Central Air
  • Heating: Central, Electric
  • Laundry Features: Electric Dryer Hookup, Inside, Washer Hookup
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Gated Community - No Guard, Golf Carts OK, Pool, Tennis Court(s)
  • Association Amenities: Cable TV, Elevator(s), Gated, Pool, Storage, Tennis Court(s)
  • Association Fee Frequency: Monthly
  • Association Name: C&S MANAGEMENT DANA CLOER
  • Phone: 941-758-9454 122
  • Association: Yes
  • Security: Smoke Detector(s)
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 1
  • Pet Restrictions: see rules and regulations.
  • Association Fee Requirement: Required
  • Condo Fees: 1484
  • Condo Land Included YN: 1
  • Max Pet Weight: 999
  • Association Email: DCLOER@CSCMSI.COM
  • Monthly Condo Fee Amount: 1484
  • Pet Size: Extra Large (101+ Lbs.)
  • Association URL: https://www.cscmsi.com

Fee Information

  • Total Annual Fees: 17808.00
  • Total Monthly Fees: 1484.00

Schools

  • Elementary School: Sea Breeze Elementary
  • High School: Bayshore High
  • Middle Or Junior School: W.D. Sugg Middle

Lot Info

  • Zoning: PDR/HA
  • Parcel Number: 7601321354
  • Additional Parcels: No
  • Lot Features: FloodZone, Private
  • Flood Zone Code: AE

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Cats OK, Dogs OK, Yes
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: SEE RULES AND REGULATIONS FOR VERIFICATION.

Tax Info

  • Tax Annual Amount: 9366
  • Tax Book Number: 0014/0025
  • Tax Lot: 525

Multi Family

  • Waterfront Features: Bay/Harbor, Canal - Saltwater, Intracoastal Waterway
  • Approval Process: APPLICATION TO HOA.

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $9,366 $622,243 -- --
2024 $9,366 $782,000 -- $782,000
2023 $8,796 $722,500 $0 $722,500
2022 $7,440 $556,500 $0 $556,500
2021 $6,223 $425,000 $0 $425,000
2020 $6,446 $420,000 $0 $420,000
2019 $6,438 $415,000 $0 $415,000
2018 $5,999 $380,000 $0 $0
2017 $6,681 $453,650 $0 $0
2016 $6,178 $403,750 $0 $0
2015 $5,585 $403,750 $0 $0
2014 $5,585 $351,721 $0 $0
2013 $5,873 $366,059 $1 $366,058
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/30/2025 10/30/25 For Sale $899,000 +104.3% $417 / Sq Ft
06/12/2012 06/12/12 Sold $440,000 0.0% $204 / Sq Ft View Prior Sale
05/11/2012 05/11/12 Pending -- -- --
12/05/2011 12/05/11 For Sale $440,000 -- $204 / Sq Ft
Source: Stellar MLS

Purchase History

Date Type Sale Price Title Company
Warranty Deed $440,000 Longboat Title Services Lc
Warranty Deed $550,000 Barnes Walker Title Inc
Warranty Deed $290,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $125,000 Purchase Money Mortgage
Previous Owner $232,000 No Value Available
Source: Public Records

Source: Stellar MLS

MLS Number: A4669536

Stellar MLS

APN: 76013-2135-4