14120 PALM STREET UNIT 104, MADEIRA BEACH, FL, 33708
Active320 days on marketListed Sep 22, 2025MLS #TB8430270
About this home
14120 PALM STREET UNIT 104
Annual Rental Across from the Beach. Enjoy year-round coastal living in this 2-bedroom, 1st floor corner unit just steps from the beach. This residence features an updated kitchen and bathroom, assigned parking, and access to common grounds. A convenient coin-operated laundry facility is available on-site. Perfectly located across from the Beach in Madeira Beach, you’ll be walking distance to the shoreline, local restaurants, and just minutes from John’s Pass Village & Boardwalk with waterfront dining, shopping, and entertainment. Pets allowed upon approval ($300 non-refundable pet fee).No smoking permitted. Tenant pays all utilities. Room sizes approximate
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
770
Sqft
0.27 ac
Lot size
1972
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /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
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$3 vs $605
Days on market
320 vs 103 typical
Where $3/sqft sits among the 111 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 → $590K
Madeira Beach median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
53 of 111
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 100% 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 14120 PALM STREET UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$310,000
126 119TH AVENUE
2 bd · 2 ba · 752 sqft · $412/sqft · 123 DOM
Sold · Dec ’25$615,000
12000 GULF BOULEVARD UNIT 205S
2 bd · 2 ba · 870 sqft · $707/sqft · 66 DOM
Sold · Sep ’25$635,000
12000 GULF BOULEVARD UNIT 208-S
2 bd · 2 ba · 870 sqft · $730/sqft · 238 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 14120 PALM STREET UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14120 PALM STREET UNIT 104 — 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
14120 PALM STREET UNIT 104 FAQs
What would the monthly payment be for 14120 PALM STREET UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 14120 PALM STREET UNIT 104?+
The listing reports pets: Cats OK, Dogs OK. 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 $2,000, this home is listed about 100% below the Madeira Beach median of $749,000. The market section on this page shows how the area is trending.
Which schools are assigned to 14120 PALM STREET UNIT 104?+
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
$2,000 is 100% below the MADEIRA BEACH 33708 median of $450,000, and at $3/sqft it sits under the Madeira Beach average of $769.
02Time on market is leverage
320 days on market against a Madeira Beach median of 103 — 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 $2,200, now $2,000 — a $200 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TOTAL REALTY SERVICES INC · Fatima Rapuano. MLS #TB8430270.
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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