David Ramirez
$3,500,0004 bd4.5 ba3,996 sqft$876 /sqft$21,131 /mo all-in ↓

325 140TH AVENUE E, MADEIRA BEACH, FL, 33708

Active18 days on marketListed Jul 2, 2026MLS #A4698608

New constructionWaterfrontPrivate poolSingle Family ResidenceGULF SHORES 3RD ADD REP

About this home

325 140TH AVENUE E

Pre-Construction. To be built. Brought to you by Noah Thomas Builders, one of the Gulf Coast's premier luxury home builders, this exceptional waterfront custom residence offers the ultimate in elevated coastal living. Perfectly positioned on Boca Ciega Bay in the heart of Madeira Beach, this exceptional residence showcases contemporary architecture, clean lines, expansive glass, and refined finishes, all thoughtfully designed to embrace Florida's luxury coastal lifestyle. Offering 4 bedrooms, 4 full baths, and 1 half bath, this spacious floor plan is designed for both everyday living and effortless entertaining. With two separate living areas, the home provides exceptional flexibility for hosting guests, creating a media room, family lounge, or private retreat. Walls of glass flood the home with natural light while opening to expansive wraparound balconies that frame tranquil water views and blur the lines between indoor and outdoor living. The expansive covered lanai flows seamlessly to the resort-style pool and generous waterfront backyard, creating the perfect setting for entertaining, outdoor dining, or relaxing while enjoying breathtaking sunsets. The designer chef's kitchen is the centerpiece of the home, featuring premium appliances, custom cabinetry, designer finishes, an oversized island, and a spacious butler's pantry. The luxurious primary suite serves as a private waterfront retreat, complete with a spa-inspired bathroom, oversized walk-in closet, balcony, and peaceful water views. Each additional bedroom features its own en-suite bath, offering comfort and privacy for family and guests. This exceptional waterfront residence offers an unparalleled boating lifestyle. Enjoy direct access to the Intracoastal Waterway with convenient routes to the Gulf of Mexico, making it easy to spend the day fishing, cruising to waterfront restaurants, exploring nearby sandbars, or visiting destinations such as John's Pass, Shell Key, Egmont Key, and the surrounding barrier islands. Built to current FEMA standards, this elevated residence combines exceptional craftsmanship with long-term resilience, featuring concrete block construction, impact-rated windows and doors, elevated living spaces, and a private elevator servicing every level. The home also includes a 2-car garage plus a covered 2-car carport, providing parking for up to four vehicles along with ample storage for golf carts, bicycles, paddleboards, and beach gear. Ideally located just minutes from the Gulf of Mexico, marinas, waterfront dining, boutique shopping, and Madeira Beach's vibrant coastal attractions, this home offers the perfect blend of modern luxury, waterfront living, and convenience. Experience the unmatched quality, craftsmanship, and modern coastal design that define every Noah Thomas Builders residence. Finishes, materials, and specifications may change during the build process. Pricing, availability, and final details subject to adjustment prior to completion.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

3,996

Sqft

0.59 ac

Lot size

2

Garage

2027

Year built

Three Or More

Levels

$876

Per sqft

Private poolWaterfrontPool & Water viewPets allowed

Inside

FlooringEngineered Hardwood
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator · Tankless Water Heater
InteriorElevator · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric · Propane · Reverse Cycle · Wall Units / Window Unit · Zoned

Outside & construction

RoofMembrane
ConstructionBlock
FoundationStilt/On Piling
ViewPool · Water
FacesNorthwest
ExteriorBalcony · Lighting · Outdoor Kitchen · Private Mailbox · Sliding Doors

Community & fees

Taxes (2025)$9,277/yr
PetsYes
CommunityWaterfront · Golf Carts OK · Irrigation-Reclaimed Water · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected
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.

$21,131 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$18,886
PMI (est., until 20% equity)$1,313
Property tax — 2025 actual bill$773
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $350,000Loan30-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% · $350,000
Interest rate6.00%
Loan term

Estimated payment

$21,131/mo

Principal & interest$18,886
PMI (est., until 20% equity)$1,313
Property taxes (actual bill)$773
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.

$/sqft vs Madeira Beach actives

$876 vs $642

Days on market

18 vs 88 typical

Where $876/sqft sits among the 128 Madeira Beach actives

60
49 · this home
7
4
1
7
$276–618$618–961$961–1304$1304–1647$1647–1990$1990+

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

Map of 325 140TH AVENUE E

Drive times from this address

Tampa Int’l Airport (TPA)42 min
Downtown Tampa44 min

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

ElementaryOrange Grove Elementary School★★★★★
MiddleOsceola Middle 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 buyer9.5 months of inventoryBuyer’s market

$573K$585K

Madeira Beach median sold, yr/yr

93.8%

Sale-to-list ratio (12 mo)

61 of 128

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 622% above the MADEIRA BEACH 33708 median. See the full Madeira Beach market guide →

Paper trail

This home's history

Jul 2, 2026Listed at $3,500,000 · 18 days on market since
2027Built · GULF SHORES 3RD ADD REP

Reality check

What actually sold near 325 140TH AVENUE E

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

14071 N BAYSHORE DRIVESold · Apr ’26

$1,050,000

14071 N BAYSHORE DRIVE · same community

4 bd · 3 ba · 2,380 sqft · $441/sqft · 9 DOM

14040 MIRAMAR AVENUESold · Jul ’25

$270,000

14040 MIRAMAR AVENUE · same community

3 bd · 2 ba · 1,557 sqft · $173/sqft · 64 DOM

400 115TH AVENUESold · Sep ’25

$2,350,000

400 115TH AVENUE

5 bd · 3.5 ba · 3,833 sqft · $613/sqft · 14 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 325 140TH AVENUE E — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 325 140TH AVENUE E — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

325 140TH AVENUE E FAQs

What would the monthly payment be for 325 140TH AVENUE E?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $21,131/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 325 140TH AVENUE E?+

The most recent tax bill on record (2025) was $9,277. 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 325 140TH AVENUE E?+

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 $3,500,000, this home is listed about 338% above the Madeira Beach median of $799,000. The market section on this page shows how the area is trending.

Which schools are assigned to 325 140TH AVENUE E?+

Orange Grove Elementary School (elementary), Osceola Middle School (middle), 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

Three things that matter here

01Positioned at the premium end

$3,500,000 runs 622% above the MADEIRA BEACH 33708 median — but at 3,996 sqft it's also nearly 3 times the size of 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

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

Listing courtesy of 1ST CLASS REAL ESTATE SUNCOAST · Holly Wikfors, LLC. MLS #A4698608.

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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