440 S BAYSHORE DRIVE, MADEIRA BEACH, FL, 33708
Active488 days on marketListed Apr 2, 2025MLS #TB8369183
About this home
440 S BAYSHORE DRIVE
INVESTMENT OPPORTUNITY. FLOOD DAMAGED HOUSE! Welcome to a fantastic opportunity in Madeira Beach! This charming 3-bedroom, 2-bathroom single-family residence, built in 1945, offers a blank canvas ready for your vision. Nestled on a 3,986 square-foot lot, the home provides ample space for you to create your dream sanctuary. Step inside to discover a warm and inviting atmosphere. The home's interior features a spacious open layout, where natural light floods the rooms, creating a bright and airy feel throughout. The central air conditioning ensures comfort, while tile flooring adds a sleek, modern touch. Though the kitchen and living areas are in need of some TLC, the possibilities are endless, allowing you to transform the space into a home that truly reflects your style. The primary bedroom, along with two additional bedrooms, each offers plenty of potential. While none of the bedrooms come with built-in closets, this presents a unique opportunity to design custom storage solutions that perfectly fit your needs. The two bathrooms, though simple, provide a functional space ready for upgrades. The home sits on a slab foundation with a traditional shingle roof, providing durability for years to come. Though there is no garage, the carport area offers convenient parking, and with no HOA restrictions, you're free to make this property truly yours. A true fixer-upper, this property allows you to reimagine every corner, whether you're looking to modernize the interior or create an outdoor oasis. The backyard is a blank slate, offering the ideal space for a garden, patio, or additional entertaining areas. Located just moments away from the pretty Madeira Beach , this home promises to be a rewarding project for the right buyer. Don't miss out on this rare opportunity to own a piece of Madeira Beach with immense potential. With a bit of imagination and effort, you can turn this house into your forever home! The back yard belongs to the city, it is not private.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,247
Sqft
0.09 ac
Lot size
1945
Year built
One
Levels
$281
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.
$2,463 /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
$2,463/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
−26.3%
$/sqft vs Madeira Beach actives
$281 vs $613
Days on market
488 vs 88 typical
Where $281/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 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 → $585K
Madeira Beach median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
53 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 26% 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 440 S BAYSHORE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$260,000
451 VIRGINIA AVENUE · same community
2 bd · 1 ba · 1,008 sqft · $258/sqft · 2 DOM
Sold · Feb ’26$445,000
12080 CAPRI CIRCLE S UNIT 202
2 bd · 2 ba · 1,228 sqft · $362/sqft · 0 DOM
Sold · Oct ’25$675,000
11365 4TH STREET E
2 bd · 2 ba · 1,276 sqft · $529/sqft · 142 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 440 S BAYSHORE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 440 S BAYSHORE 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
440 S BAYSHORE DRIVE FAQs
What would the monthly payment be for 440 S BAYSHORE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,463/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 440 S BAYSHORE DRIVE?+
The most recent tax bill on record (2024) was $1,056. 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 440 S BAYSHORE DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $350,000, this home is listed about 56% 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 440 S BAYSHORE DRIVE?+
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
Four things that matter here
01Under the MADEIRA BEACH 33708 market on paper
$350,000 is 26% below the MADEIRA BEACH 33708 median of $472,500, and at $281/sqft it sits under the Madeira Beach average of $742.
02Time on market is leverage
488 days on market against a Madeira Beach median of 88 — sellers in this position are usually ready to negotiate.
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.
04The price has already moved
Listed at $375,000, now $350,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC. · Daniela Nankova-Silverstone. MLS #TB8369183.
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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