
403 NORMANDY ROAD, MADEIRA BEACH, FL, 33708
Active46 days on marketListed Aug 28, 2026MLS #TB8537270
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
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.
$6,181 /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
$6,181/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.
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
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 → $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
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.
Sold · Dec ’25$660,000
12364 CAPRI CIRCLE N
3 bd · 2.5 ba · 1,850 sqft · $357/sqft · 29 DOM
Sold · Sep ’26$490,000
12101 GULF BOULEVARD
4 bd · 4 ba · 1,797 sqft · $273/sqft · 0 DOM
Sold · 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.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 403 NORMANDY ROAD — start here.

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.
Keep looking
Similar homes nearby
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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