497 NORMANDY ROAD, MADEIRA BEACH, FL, 33708
Active311 days on marketListed Sep 26, 2025MLS #TB8431677
About this home
497 NORMANDY ROAD
Waterfront, 5 bedrooms & 3 Bathrooms Beautiful Waterfront Duplex in Prime Madeira Beach Location. This stunning, Block concrete duplex sits on the intercoastal waters of Madeira Beach, complete with its own boat slip. This property features a brand-new roof and has been updated to code, including all permitted work, such as electrical, plumbing, and upgrades. It also includes new kitchens with appliances and updated bathrooms. The duplex offers a three-bedroom, two-bathroom unit on the first floor and a two-bedroom, one-bathroom unit on the second floor, complete with a balcony and gorgeous water views. It’s just a three-minute boat ride to John’s Pass, then you are in the middle of the Gulf of America and walking distance to the most beautiful beaches in the USA, 20 minutes to downtown St. Pete, and only 15-20 minutes away. The property can serve as an income property or a single-family home (five bedrooms, three bathrooms total). The buyer must honor the existing management company’s lease, which has a potential income of around $6,000.
Facts & features
The home at a glance
0
Bedrooms
1,980
Sqft
0.16 ac
Lot size
1
Garage
1953
Year built
$449
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 — not generic estimates.
$6,198 /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
$6,198/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 Madeira Beach actives
$449 vs $611
Days on market
311 vs 88 typical
Where $449/sqft sits among the 113 Madeira Beach 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 Madeira Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Madeira Beach. See the full Madeira Beach guide →
MADEIRA BEACH 33708 — neighborhood snapshot
Population
15,306
Median age
61.1
Median income
$83,773
Median home value
$463,700
Avg household
1.9
Households w/ children
600
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Madeira Beach market
$573K → $620K
Madeira Beach median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
54 of 113
Madeira Beach actives have cut their price
Median sold price, Madeira Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 87% above the MADEIRA BEACH 33708 median. See the full Madeira Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 497 NORMANDY ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$600,000
14950 GULF BOULEVARD UNIT 404
1 bd · 1.5 ba · 940 sqft · $638/sqft · 49 DOM
Sold · Jan ’26$339,000
1 KEY CAPRI UNIT 711E
1 bd · 1.5 ba · 915 sqft · $370/sqft · 5 DOM
Sold · Feb ’26$300,000
1 KEY CAPRI UNIT 211W
1 bd · 1.5 ba · 915 sqft · $328/sqft · 104 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 497 NORMANDY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 497 NORMANDY ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
497 NORMANDY ROAD FAQs
What would the monthly payment be for 497 NORMANDY ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,198/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 497 NORMANDY ROAD?+
The most recent tax bill on record (2024) was $10,825. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Madeira Beach?+
At $890,000, this home is listed about 11% above the Madeira Beach median of $799,000. The market section on this page shows how the area is trending.
Which schools are assigned to 497 NORMANDY ROAD?+
Orange Grove Elementary School (elementary), Osceola Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas 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
$890,000 runs 87% above the MADEIRA BEACH 33708 median — but at 1,980 sqft it's also 59% larger than the typical Madeira Beach listing.
02Time on market is leverage
311 days on market against a Madeira Beach median of 88 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Orange Grove Elementary School, Osceola Middle School, Richard O Jacobson Technical High School At Seminole — Orange Grove Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BUXTON PROPERTIES INC · Ahmad Maki Kubba. MLS #TB8431677.
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.
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