13123 4TH STREET E, MADEIRA BEACH, FL, 33708
Active51 days on marketListed Aug 21, 2026MLS #TB8541170
About this home
13123 4TH STREET E
Renovated coastal cottage featuring two bedrooms, one bathroom and plenty of Beachtown charm! Private backyard feels like a tropical retreat with lush vegetation, low maintenance landscaping, perfect for relaxing or entertaining outdoors, and there is room for a pool or hot tub. The home is built on an elevated foundation, features newer, AC system and water heater both installed in 2025. Roof 2013. Located in a quiet, beautiful neighborhood near the water. This cottage is just a short walk from the beach and the shops, restaurants, entertainment, and waterfront atmosphere of Johns pass village. With a three month minimum rental. This property offers an excellent opportunity as a primary residence, beach getaway, or income-producing rental. Come enjoy the laid-back coastal lifestyle. Property sits on a 40 x 104 lot. BUYER INCENTIVE: A preferred lender is offering the next qualified buyer a lender-paid permanent 1-point interest-rate buydown, subject to lender terms and qualification. Ask for details!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
681
Sqft
0.09 ac
Lot size
1930
Year built
One
Levels
$624
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.
$3,023 /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
$3,023/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+62.8%
$/sqft vs Madeira Beach actives
$624 vs $627
Days on market
51 vs 86 typical
Where $624/sqft sits among the 119 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 Mitchell's 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 →
Mitchell's Beach — neighborhood snapshot
Population
377
Median age
61
Median income
$117,645
Median home value
$104,438
Avg household
2
Households w/ children
10%
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)
42 of 119
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 17% below the MADEIRA BEACH 33708 median. See the full Madeira Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 13123 4TH STREET E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$235,000
13104 4TH STREET E · same community
4 bd · 2 ba · 1,020 sqft · $230/sqft · 39 DOM
Sold · Dec ’25$550,000
253 BOCA CIEGA DRIVE · same community
2 bd · 2 ba · 1,361 sqft · $404/sqft · 159 DOM
Sold · Jul ’26$508,000
13253 BOCA CIEGA AVENUE · same community
3 bd · 2.5 ba · 1,990 sqft · $255/sqft · 1 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 13123 4TH STREET E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13123 4TH STREET E — 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
13123 4TH STREET E FAQs
What would the monthly payment be for 13123 4TH STREET E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,023/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 13123 4TH STREET E?+
The most recent tax bill on record (2025) was $2,074. 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 $425,000, this home is listed about 47% below the Madeira Beach median of $799,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13123 4TH STREET E?+
Orange Grove Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (high), Seminole Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BEGGINS · Paris Faughn. MLS #TB8541170.
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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