15302 HARBOR DRIVE, MADEIRA BEACH, FL, 33708
Active259 days on marketListed Nov 7, 2025MLS #TB8433038
About this home
15302 HARBOR DRIVE
LIVE THE MADEIRA BEACH DREAM – WALK TO THE BEACH, BOAT FROM YOUR BACKYARD! Just 5 minutes to the sand and sunsets, this updated 2-bed, 2-bath waterfront home captures the full Madeira Beach lifestyle. Beautifully rebuilt post-hurricane, the property has been fully restored to like-new condition—not substantially damaged by FEMA’s 50 Rule, meaning the original structure was preserved with no elevation required. Everything feels renewed: new HVAC system, hurricane-rated windows and doors with shutters, mold- and moisture-resistant drywall, raised electrical outlets for flood protection, and updated electrical throughout. The former porch has been fully enclosed and finished, adding extra flexible living space ideal for a den, office, or optional third bedroom. The lower kitchen cabinets and all bathroom cabinets have been replaced, along with new kitchen appliances and a new washer and dryer. Additional highlights include a tankless water heater, elegant wainscoting, and a freshly painted garage with a new electric door. Step outside to your private dock with a motorized boat lift, offering direct access to Boca Ciega Bay and a 10-minute boat ride to John’s Pass Village for dining, shopping, and entertainment. Beyond the property, you’ll love the neighborhood’s walkability—beach access, cafés, local restaurants, and mini golf - all just minutes away. Across the street, the Madeira Beach Recreation Center offers tennis courts, basketball, softball fields, a playground, and more. Whether you’re seeking a year-round residence or a coastal retreat, 15302 Harbor Drive delivers a rare blend of quality updates, waterfront access, and walkable beachside living—ready for you to move in and enjoy.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,980
Sqft
0.18 ac
Lot size
1
Garage
1959
Year built
One
Levels
$429
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.
$6,109 /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
$6,109/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
−5%
$/sqft vs Madeira Beach actives
$429 vs $642
Days on market
259 vs 88 typical
Where $429/sqft sits among the 126 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)
62 of 126
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 71% 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 15302 HARBOR DRIVE
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$2,891,700
14048 GULF BOULEVARD UNIT 502
2 bd · 3 ba · 1,791 sqft · $1,615/sqft · 0 DOM
Sold · May ’26$2,799,000
14048 GULF BOULEVARD UNIT 301
2 bd · 3 ba · 2,330 sqft · $1,201/sqft · 0 DOM
Sold · May ’26$2,799,000
14048 GULF BOULEVARD UNIT 401
2 bd · 3 ba · 2,330 sqft · $1,201/sqft · 448 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 15302 HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15302 HARBOR 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
15302 HARBOR DRIVE FAQs
What would the monthly payment be for 15302 HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,109/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 15302 HARBOR DRIVE?+
The most recent tax bill on record (2024) was $12,599. 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 15302 HARBOR DRIVE?+
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 $849,000, this home is listed about 6% 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 15302 HARBOR 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
Five things that matter here
01Positioned at the premium end
$849,000 runs 71% above the MADEIRA BEACH 33708 median — but at 1,980 sqft it's also 59% 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.
03Time on market is leverage
259 days on market against a Madeira Beach median of 88 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $985,000, now $849,000 — a $136K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Jenna Whitney. MLS #TB8433038.
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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