4118 OSPREY HARBOUR LOOP, CORTEZ, FL, 34215
Active36 days on marketListed Jun 17, 2026MLS #A4695704
About this home
4118 OSPREY HARBOUR LOOP
HARBOUR LANDINGS --Spacious 2 BEDROOM 2 FULL BATH TOWNHOME. Annual lease with immediate occupancy. Charming community located in a tropical oasis just off Cortez Road, you will discover this hidden gem. Beautiful homes & lush landscaping greet you as you enter this gated community. On the ground level is the large over-sized 2 car garage w/plenty of extra room for all your Florida outdoor toys. 2 large bonus rooms which could be a third bedroom, office space or workout room. Take the stairs or your private elevator up to the second floor to find a beautiful & bright open floor plan. The high ceilings and beautiful views of outside palms and grounds. Large screened in lanai adds extra living space. The bedrooms are a split design for privacy. The master bath has dual sinks & Jacuzzi tub & separate shower. Walk-in closets & ample storage are throughout. The kitchen has beautiful granite counter tops & new appliances. Your washer & dryer & extra sink are all within easy access. Freshly painted, new fans and light fixtures. Enjoy heated pool, community fitness facility, and tennis/pickle ball court. Great location less than a mile from the beaches of Anna Maria Island & just across the street from historical Cortez Fishing Village. Restaurants & shopping & island trolley are all within minutes. HOA approval required.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,912
Sqft
0.15 ac
Lot size
2
Garage
2006
Year built
Two
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.
$187 /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
$187/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 $511
Days on market
36 vs 134 typical
Where $2/sqft sits among the 14 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
$710K → $1.3M
Cortez median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
7 of 14
Cortez actives have cut their price
Median sold price, Cortez, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the CORTEZ 34215 median. See the full Cortez market guide →
Paper trail
This home's history
Reality check
What actually sold near 4118 OSPREY HARBOUR LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$725,000
12518 HARBOUR LANDINGS DRIVE · same community
3 bd · 2 ba · 2,361 sqft · $307/sqft · 169 DOM
Sold · Apr ’26$2,200,000
12509 SAFE HARBOUR DRIVE · same community
3 bd · 3 ba · 3,460 sqft · $636/sqft · 139 DOM
Sold · Oct ’25$375,000
3808 118TH STREET W
3 bd · 2 ba · 1,972 sqft · $190/sqft · 134 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4118 OSPREY HARBOUR LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4118 OSPREY HARBOUR LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
4118 OSPREY HARBOUR LOOP FAQs
What would the monthly payment be for 4118 OSPREY HARBOUR LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $187/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 4118 OSPREY HARBOUR LOOP?+
The listing reports pets: 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 $3,700, this home is listed about 100% below the Cortez median of $950,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4118 OSPREY HARBOUR LOOP?+
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.
Keep looking
Similar homes nearby
Listing courtesy of DUNCAN REAL ESTATE, INC. · Paige Rogers. MLS #A4695704.
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 4118 OSPREY HARBOUR LOOP 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 Eric to ping you on any price or status change →