CENTURY 21 Edge
$915,000$929,0003 bd2 ba1,826 sqft$501 /sqft≈$6,181 /mo all-in ↓

403 NORMANDY ROAD, MADEIRA BEACH, FL, 33708

Active46 days on marketListed Aug 28, 2026MLS #TB8537270

✦ Reduced $14KWaterfrontPrivate poolSingle Family ResidenceISLAND ESTATES UNIT 1 SEC A

About this home

403 NORMANDY ROAD

Virtually Staged. BEACH, BOATING OR POOL? WHY CHOOSE WHEN YOU CAN HAVE ALL THREE! WELCOME TO YOUR PRIVATE WATERFRONT ESCAPE ON ISLAND ESTATES! Situated on a cul-de-sac street, this exceptional coastal retreat has been renovated from top to bottom. Start your morning with your favorite beverage overlooking the water, or step onto your private dock equipped with a 8,000 lb. boat lift with NEW cables and GEM REMOTES CONTROL BOX and set off for a quick ride to the Gulf! Spend the day cruising to sandbars, fishing the Gulf waters, or stopping at your favorite waterfront restaurant. Step inside your new home to a bright, open-concept floor plan featuring crown molding, shiplap ceilings, a skylight that brings abundant natural light into the living room, energy-efficient windows, plank-style tile flooring, and a wood-burning fireplace that adds warmth on those rare cooler evenings. The impressive kitchen showcases rich navy-blue cabinetry, sleek quartz countertops, a deep basin sink, elegant gold faucet and hardware, NEW stainless steel range, dishwasher, and microwave, a closet pantry, breakfast bar with pendant lighting, plus there’s additional cabinet storage in the oversized laundry room. Designed with privacy in mind, the split-bedroom layout places the primary suite with ensuite bath and the second bedroom and guest bath on one side of the home. Both bathrooms have been tastefully remodeled with a fresh, coastal-inspired design. The third bedroom overlooks the pool and water and a generous bonus room offers even more flexibility for a media room, game room, fitness area, hobby space, or whatever best complements your lifestyle. Additional highlights include a 5-unit mini-split A/C system, NEWER modified bitumen roof installed in 2023, NEW water heater in 2025, NEW pool pump motor installed August 2026, pavered driveway, converted garage ideal for storage or golf cart parking, plus an additional exterior storage room. Surrounded by mature tropical landscaping, the fenced backyard was created for relaxation, entertaining and making the most of Florida’s sunshine. Lounge on the sun shelf of the sparkling inground pool, gather with friends and family at the covered outdoor bar, or get cozy in your favorite chair on the expansive pavered patio and enjoy tranquil water views. This Island Estates location is hard to beat! Take a quick 5-minute walk to the area’s sugar-sand beaches, or explore nearby boutiques, restaurants, local pubs, and live entertainment. Hop on a golf cart, stroll, or ride your bike and enjoy an easygoing way to experience everything the area has to offer. Nearby attractions include fishing charters and ROC Park, featuring pickleball courts, outdoor events, and concerts, along with the famous John’s Pass Village & Boardwalk, where shops, dining, watersport rentals, music, and activities provide something for everyone. St. Pete-Clearwater International Airport is approximately 30 minutes away, while Tampa International Airport is about a 40-minute drive. Whether you're heading out for an early-morning boat ride to the sandbars, enjoying waterside dining or a sunset cruise, fishing the Gulf, spending the afternoon at the beach, or gathering poolside under the stars, this remarkable property puts the Florida waterfront lifestyle right outside your door. Discover a place where beach, boating, pool days, laid back living and Island charm come together to create an extraordinary place to call HOME!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,826

Sqft

0.17 ac

Lot size

1

Garage

1953

Year built

One

Levels

$501

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringTile
AppliancesDishwasher · Microwave · Range
InteriorCeiling Fan(s) · Crown Molding · Living Room/Dining Room Combo · Open Floorplan · Skylight(s) · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside
CoolingMini-Split Unit(s)
HeatingCentral · Electric

Outside & construction

RoofOther
ConstructionBlock
FoundationSlab
ViewWater
FacesEast
ParkingConverted Garage · Driveway · Golf Cart Parking
ExteriorStorage

Community & fees

Taxes (2025)$8,889/yr
PetsYes

Utilities & systems

UtilitiesElectricity Available · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,181 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,937
PMI (est., until 20% equity)$343
Property tax — 2025 actual bill$741
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $91,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $91,500
Interest rate6.00%
Loan term

Estimated payment

$6,181/mo

Principal & interest$4,937
PMI (est., until 20% equity)$343
Property taxes (actual bill)$741
Est. insurance$160

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.

List $915K
$873KedgeAI estimate $1,010,967 · range $910K–$1.1M$1.1M

vs edgeAI estimate

−9.5%

$/sqft vs Madeira Beach actives

$501 vs $627

Days on market

46 vs 85 typical

Where $501/sqft sits among the 118 Madeira Beach actives

64 · this home
35
7
4
1
7
$300–647$647–994$994–1341$1341–1688$1688–2035$2035+

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

Downtown Tampa≈ 41 min
Tampa Int’l Airport (TPA)≈ 42 min

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

MiddleSeminole Middle School★★★★★
ElementaryBauder Elementary School★★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Madeira Beach market

Seller’s marketLeans buyer — 7.1 months of inventoryBuyer’s market

$573K → $583K

Madeira Beach median sold, yr/yr

94.2%

Sale-to-list ratio (12 mo)

45 of 118

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 76% above the MADEIRA BEACH 33708 median. See the full Madeira Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $915,000 ▼ $14K
Aug 28, 2026Listed at $929,000 · 46 days on market since
1953Built · ISLAND ESTATES UNIT 1 SEC A

Reality check

What actually sold near 403 NORMANDY ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12364 CAPRI CIRCLE NSold · Dec ’25

$660,000

12364 CAPRI CIRCLE N

3 bd · 2.5 ba · 1,850 sqft · $357/sqft · 29 DOM

12101 GULF BOULEVARDSold · Sep ’26

$490,000

12101 GULF BOULEVARD

4 bd · 4 ba · 1,797 sqft · $273/sqft · 0 DOM

11480 4TH STREET ESold · Nov ’25

$700,000

11480 4TH STREET E

2 bd · 2 ba · 1,773 sqft · $395/sqft · 311 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.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 403 NORMANDY ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 403 NORMANDY ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

403 NORMANDY ROAD FAQs

What would the monthly payment be for 403 NORMANDY ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,181/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 403 NORMANDY ROAD?+

The most recent tax bill on record (2025) was $8,889. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 403 NORMANDY ROAD?+

The listing reports pets: 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 Madeira Beach?+

At $915,000, this home is listed about 15% above the Madeira Beach median of $793,900. The market section on this page shows how the area is trending.

Which schools are assigned to 403 NORMANDY ROAD?+

Seminole Middle School (middle), Bauder Elementary School (elementary), 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

Four things that matter here

01Positioned at the premium end

$915,000 runs 76% above the MADEIRA BEACH 33708 median — but at 1,826 sqft it's also 43% larger than the typical Madeira Beach listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Seminole Middle School, Bauder Elementary School, Richard O Jacobson Technical High School At Seminole — Bauder Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $929,000, now $915,000 — a $14K cut. The full history is in the market section below.

Listing courtesy of FUTURE HOME REALTY INC · Rose Brown. MLS #TB8537270.

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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