249 BOCA CIEGA DRIVE, MADEIRA BEACH, FL, 33708
Active99 days on marketListed Apr 25, 2026MLS #O6402270
About this home
249 BOCA CIEGA DRIVE
The property is approximately 9,587 square feet of deep hurricane sheltered waterfront. The lot currently has three small cottages across two lots that must remain in place to secure the grandfathered non-conforming footprint. Once a site development plan has been approved the cottages can be torn down. Depending on the purchaser, either the footprint can be maintained with three single family homes built or the two lots can support two single family homes that most likely would require variances with set backs due to buildable lot size. Ideally the purchaser will build three FEMA, County and City approved structures, three stories each with parking on the first floor and two floors of living space. The current footprints of each structure is roughly 16 feet wide by 45 feet long.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
2,160
Sqft
0.29 ac
Lot size
1930
Year built
One
Levels
$787
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.
$10,990 /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
$10,990/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.
$/sqft vs Madeira Beach actives
$787 vs $611
Days on market
99 vs 88 typical
Where $787/sqft sits among the 113 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 → $585K
Madeira Beach median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
52 of 113
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 262% 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 249 BOCA CIEGA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$825,000
13111 BOCA CIEGA AVENUE · same community
4 bd · 2 ba · 2,323 sqft · $355/sqft · 55 DOM
Sold · Jul ’26$508,000
13253 BOCA CIEGA AVENUE · same community
3 bd · 2.5 ba · 1,990 sqft · $255/sqft · 1 DOM
Sold · Dec ’25$550,000
253 BOCA CIEGA DRIVE · same community
2 bd · 2 ba · 1,361 sqft · $404/sqft · 159 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 249 BOCA CIEGA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 249 BOCA CIEGA DRIVE — 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.
Straight answers
249 BOCA CIEGA DRIVE FAQs
What would the monthly payment be for 249 BOCA CIEGA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,990/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 249 BOCA CIEGA DRIVE?+
The most recent tax bill on record (2025) was $12,232. 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 $1,699,997, this home is listed about 113% 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 249 BOCA CIEGA DRIVE?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$1,699,997 runs 262% above the MADEIRA BEACH 33708 median — but at 2,160 sqft it's also 74% 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
Orange Grove Elementary School, Richard O Jacobson Technical High School At Seminole, Seminole Middle School — Orange Grove Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,785,000, now $1,699,997 — a $85K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ROMAN'S PRO REALTY LLC · Petie Bilyk. MLS #O6402270.
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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