405 MADEIRA CIRCLE, TIERRA VERDE, FL, 33715
Active5 days on marketListed Oct 7, 2026MLS #TB8555652
About this home
405 MADEIRA CIRCLE
BOAT SLIP INCLUDED! This end-unit townhome on the Island of Tierra Verde comes with its own 50-foot deep water boat slip and 11,000 lb lift (lift new in 2017 with a new power box), so your next adventure on the water starts right out back. Inside, the three-bedroom, three-bath home is filled with natural light, thanks to new hurricane impact windows and doors throughout, a major advantage in an end unit. High vaulted ceilings and wide luxury vinyl plank flooring set a bright, modern tone. The living room, with its wood-burning fireplace, opens to the dining room and flows easily into the kitchen, creating a natural gathering space for entertaining. The kitchen features newer cabinetry, stainless steel appliances, and a light, modern backsplash. Step out onto either of two balconies to enjoy the Florida weather with your favorite beverage. The primary suite offers vaulted ceilings and a large walk-in closet, and the primary bath features dark cabinetry and a granite countertop. A large two-car garage provides plenty of extra storage for all your toys, and the long driveway fits two additional cars. Palms of Tierra delivers true resort-style living with a community pool, tennis courts, and a fitness room. The location is hard to beat: Steps to nightlife and restaurants, 2 minutes to the running and bike trail, 5 minutes to the beaches of Fort De Soto Park, 15 minutes to downtown St. Petersburg, and 40 minutes to Tampa International Airport. Start your Florida lifestyle dream today.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,585
Sqft
0.02 ac
Lot size
1996
Year built
Three Or More
Levels
$378
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 and the real association fee — not generic estimates.
$4,459 /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
$4,459/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
+29.3%
$/sqft vs Tierra Verde actives
$378 vs $451
Days on market
5 vs 113 typical
Where $378/sqft sits among the 75 Tierra Verde 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 Tierra Verde
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tierra Verde. See the full Tierra Verde guide →
TIERRA VERDE 33715 — neighborhood snapshot
Population
7,932
Median age
62.6
Median income
$105,068
Median home value
$539,700
Avg household
1.99
Households w/ children
442
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tierra Verde market
$986K → $1.0M
Tierra Verde median sold, yr/yr
94.4%
Sale-to-list ratio (12 mo)
40 of 75
Tierra Verde actives have cut their price
Median sold price, Tierra Verde, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 104% above the TIERRA VERDE 33715 median. See the full Tierra Verde market guide →
Paper trail
This home's history
Reality check
What actually sold near 405 MADEIRA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$775,000
307 MADEIRA CIRCLE · same community
3 bd · 3 ba · 1,585 sqft · $489/sqft · 117 DOM
Sold · Feb ’26$687,000
343 MADEIRA CIRCLE · same community
3 bd · 3 ba · 1,585 sqft · $433/sqft · 23 DOM
Sold · Oct ’25$650,000
341 MADEIRA CIRCLE · same community
3 bd · 3 ba · 1,585 sqft · $410/sqft · 16 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 405 MADEIRA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 405 MADEIRA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
405 MADEIRA CIRCLE FAQs
What would the monthly payment be for 405 MADEIRA CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,459/mo — principal and interest, the actual property-tax bill, the $645/mo association fee 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.
How much are the HOA fees at 405 MADEIRA CIRCLE?+
The association fee works out to $645 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 405 MADEIRA CIRCLE?+
The most recent tax bill on record (2025) was $2,362. 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 405 MADEIRA CIRCLE?+
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 Tierra Verde?+
At $599,000, this home is listed about 35% below the Tierra Verde median of $919,500. The market section on this page shows how the area is trending.
Which schools are assigned to 405 MADEIRA CIRCLE?+
Gulfport Montessori Elementary School (elementary), Bay Point Middle School (middle), Lakewood High School (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
$599,000 runs 104% above the TIERRA VERDE 33715 median.
02Know the monthly fee
The association fee is $645/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Only 5 days on market in a Tierra Verde market that averages 113 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Collette Richardson. MLS #TB8555652.
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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