12925 42nd Ter W, photo 1
Active
1 / 55

Overview

4 bd5 ba5,138 sqft3 car garageSingle Family
TypeSingle Family
HOA$6,000/yr
Built1996
Lot20,460 sqft
Living area5,138 sqft
Price / sqft$1,411
Garage3 car

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenElevatorOpen FloorplanPrimary Bedroom Main FloorSolid Surface Counters

12925 42nd Ter W is a 1996-built home in Sunset Harbor, Cortez. Inside you'll find 4 bedrooms, 5 bathrooms, and 5,138 square feet of living space. Listed at $7,250,000 (about $1,411/sqft), 132 days on market. Flood zone VE - confirm flood insurance requirements with your lender. HOA runs $6,000 annually.

From the listing

SUNSETS OVER ANNA MARIA SOUND EVERY EVENING. Welcome to Sunset Harbor, a gated waterfront community located just moments from the white sandy beaches of Anna Maria Island, waterfront dining, and direct Gulf access, this remarkable property offers the ultimate combination of luxury waterfront living, deep-water boating access, and the relaxed elegance of Florida's Gulf Coast lifestyle. One of only eight residences within this intimate enclave, this exceptional home captures sweeping views of Anna Maria Sound and delivers unforgettable Gulf Coast sunsets from nearly every angle. Thoughtfully designed to embrace Florida's coveted indoor-outdoor lifestyle, the residence offers expansive terraces and seamless living spaces that open effortlessly to the waterfront beyond. Whether entertaining guests or enjoying a quiet evening overlooking the water, the home creates an atmosphere of relaxed sophistication. Spanning approximately 5,138 square feet, this Mediterranean-inspired residence has been beautifully reimagined with refined finishes and quality craftsmanship throughout. The gourmet kitchen is appointed with premium appliances and opens to multiple spacious living and entertaining areas, enhanced by oversized impact glass sliders that frame the stunning water views. The luxurious upper-level primary suite serves as a private sanctuary, complete with dual bathrooms, an executive office, and a dedicated fitness room. Additional highlights include an elevator servicing 3 levels, a whole-home generator, elegant custom finishes throughout, a spacious three-car garage, a whole-home water filtration system, new HVAC systems, a new seawall, and a new dock with 10,000 lb and 24,000 lb boat lifts. This property also offers the ultimate convenience for student-athletes and families, located just minutes from the world-renowned IMG Academy, one of the premier sports training campuses in the world. Call for Matterport 3D virtual floorplan and YouTube video.

The essentials

Built
1996
Price / sqft
$1,411
On market
132 days
Annual tax
$39,968
HOA
$6,000/yr
Flood zone
VE
Lot
20,460 sqft
Type
Single Family Residence

At a glance

Single family
Built 1996
Waterfront
Bay/Harbor
Private pool
Heated
3 car garage
Driveway
0.47 acres
Lot size

Payment

Est. monthly payment
$45,268/mo
Down payment (20%)
$1,450,000
Property taxes
$3,331/mo
HOA
$6,000/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1996
Lot
20,460 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Faces Side, Oversized
Pool
Gunite, Heated
Waterfront
Bay/Harbor, Intracoastal Waterway
Days on Market
132
Built-in Features
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
Elevator
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Stone Counters
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Balcony
Lighting
Gated Community - No Guard
Cooktop
Dishwasher
Disposal
Dryer
Microwave
Refrigerator
Washer
Elementary
Sea Breeze Elementary
Middle
W.D. Sugg Middle
High
Bayshore High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone VE
Annual Tax (2025)
$39,968
Parcel #
7619700177

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Sunset Harbor
County
Manatee
MLS Area
34215 - Cortez
Lot Size
20,460 sqft
Oversized Lot
HOA
$6,000/yr
Sunstate Property Management

Price history

Date
Event
Price
8/7/2026
Price change
Source: Stellar MLS #A4695510
$7,250,000-6.8%
$1,411/sqft
6/1/2026
Listed for sale
Source: Stellar MLS #A4695510
$7,775,000
$1,513/sqft

Neighborhood

12925 42nd Ter W
Cortez, FL, 34215 · 34215 - Cortez

Market insights

Offer Insights

Choose an offer strength

List price: $7,250,000
$7.12M – $7.25M
98.2% – 100% of listTops out right at the list price
80% of listList price
218 of the last 435 home closings in Manatee County landed at this number or higher (50%). The median one sat 47 days before it went under contract, and this one is on day 132 after a $525,000 cut.

Sample: 435 closed home sales in Manatee County over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$45,267/mo
Principal & interest$37,812
Property taxes$3,331
Insurance$3,625
HOA$500
Down payment20% · $1,450,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$7,250,000

$1,411 per sq ft

Beds and baths

4 beds, 5 baths

Size

5,138 sq ft

Time on market

132 days

Year built

1996

Monthly payment

About $45,268/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $39,968 annual tax bill, insurance, and the $6,000/yr HOA fee.

HOA fee

$6,000/yr

Managed by Sunstate Property Management.

Flood zone

Zone VE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byCLUB REALTYListing agent: Brooke O'MalleyListing data from Stellar MLS, MLS# A4695510.

Keep exploring Florida

Pick up where you left off, or see what else is out there.