639 NORMANDY ROAD, MADEIRA BEACH, FL, 33708
Active35 days on marketListed Sep 8, 2026MLS #TB8546790
About this home
639 NORMANDY ROAD
STUNNING WATERFRONT OPPORTUNITY IN MADEIRA BEACH! Bring your boat, your vision, and your plans for the ultimate coastal retreat! This exceptional waterfront property offers a private pool, concrete seawall, dock, and boat lift already in place giving you a head start on creating your dream waterfront lifestyle. The owner is a licensed General Contractor and is available to build a custom home on a cost-plus structure, potentially providing significant savings compared to traditional new-construction pricing. The existing home was previously flooded and has been fully remediated but not rebuilt. The property was determined NOT to be substantially damaged, providing buyers with options to explore renovation or a teardown and custom rebuild, subject to buyer due diligence and all applicable permitting and regulatory requirements. Located in the heart of Madeira Beach, you’ll be close to the Gulf beaches, boating waterways, shopping, dining, and the vibrant John's Pass Village & Boardwalk. This is a rare opportunity to secure a waterfront property with many of the expensive exterior improvements already in place and create something truly special. Property is being sold AS-IS with no warranties. Buyer and buyer's agent to verify all measurements, flood zone information, substantial damage determination, permitting requirements, building restrictions, and any other information important to the buyer. Bring your builder, bring your vision, and take advantage of this incredible Madeira Beach waterfront opportunity!
Facts & features
The home at a glance
2
Bedrooms
3
Bathrooms
1,469
Sqft
0.17 ac
Lot size
1
Garage
1953
Year built
One
Levels
$529
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.
$5,062 /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
$5,062/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
+35.6%
$/sqft vs Madeira Beach actives
$529 vs $627
Days on market
35 vs 85 typical
Where $529/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 49% 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 639 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 · Oct ’26$405,000
255 CAPRI CIRCLE N UNIT 17
2 bd · 2.5 ba · 1,485 sqft · $273/sqft · 35 DOM
Sold · Dec ’25$500,000
12132 CAPRI CIRCLE S
2 bd · 2.5 ba · 1,450 sqft · $345/sqft · 119 DOM
Sold · May ’26$546,200
12320 CAPRI CIRCLE N UNIT 404
2 bd · 2.5 ba · 1,450 sqft · $377/sqft · 52 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 639 NORMANDY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 639 NORMANDY ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
639 NORMANDY ROAD FAQs
What would the monthly payment be for 639 NORMANDY ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,062/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 639 NORMANDY ROAD?+
The most recent tax bill on record (2025) was $5,012. 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 639 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 $777,000, this home is listed about 2% below the Madeira Beach median of $793,900. The market section on this page shows how the area is trending.
Which schools are assigned to 639 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
$777,000 runs 49% above the MADEIRA BEACH 33708 median — but at 1,469 sqft it's also 15% larger than the typical Madeira Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $799,000, now $777,000 — a $22K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXPERTS · Nicole Brooks. MLS #TB8546790.
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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