
391 MADEIRA CIRCLE, TIERRA VERDE, FL, 33715
Active245 days on marketListed Nov 20, 2025MLS #TB8450232
About this home
391 MADEIRA CIRCLE
This is what you move to Florida for! A beautifully appointed three-bedroom, three-bath townhome in Tierra Verde's coveted Palms of Tierra community — steps from the Gulf, minutes from downtown St. Pete, and built around the kind of indoor-outdoor living most buyers spend years searching for. From the moment you step inside, you'll feel it: sun-drenched living spaces, soaring vaulted ceilings, and an effortless open-concept flow made for both lazy Sundays and lively gatherings. Cozy up beside the wood-burning fireplace on cool winter evenings, or slide open the doors and let the Gulf breeze roll in from your private covered balcony — cocktail in hand, not a care in the world. The kitchen is built to entertain, with generous cabinetry, stainless steel appliances, and a breakfast bar that keeps the conversation flowing. Every bedroom is a private retreat, each featuring an en suite bath, vaulted ceilings, and custom built-in closets. The expansive primary suite takes it even further — soaring ceilings, a walk-in closet, a skylight-kissed en suite bath, and its own covered balcony where every morning feels like a vacation. Downstairs, an oversized tandem 2-car garage gives you room for all the toys — paddleboards, bikes, and kayaks — plus direct access to yet another covered outdoor space ready-made for weekend barbecues and golden-hour hangs. And your four-legged family members? They'll love it here just as much as you do. This is a pet-friendly community, and at the very tip of the island, the legendary Fort De Soto Dog Beach — consistently ranked among the top dog beaches in the entire country — is practically in your backyard. Miles of off-leash shoreline, warm Gulf waters, and tail-wagging bliss await, just minutes from your front door. Beyond the leash-free adventures, Fort De Soto Park, scenic waterfront trails, boat ramps, and marinas round out a backyard that most would only dream about. Award-winning beaches, waterfront dining, world-class fishing, and the electric pulse of downtown St. Petersburg are all just minutes away. Resort-style amenities — pool, hot tub, fitness center, tennis and pickleball courts — complete the picture. Unbeatable location. Zero compromises. Move-in ready. THIS IS THE TIERRA VERDE LIFESTYLE - COME LIVE IT. This home had ZERO water intrusion during the hurricanes of 2024.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,585
Sqft
0.02 ac
Lot size
2
Garage
1996
Year built
Three Or More
Levels
$252
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 and the real association fee — not generic estimates.
$3,879 /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
$3,879/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
−32.6%
Days on market
245 vs 66 typical
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 Tierra Verde
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tierra Verde. See the full Tierra Verde guide →
The numbers that matter
The Tierra Verde market
$628K → $1.1M
Tierra Verde median sold, yr/yr
94.3%
Sale-to-list ratio (12 mo)
Median sold price, Tierra Verde, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% below the Tierra Verde median. See the full Tierra Verde market guide →
Paper trail
This home's history
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 391 MADEIRA CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 391 MADEIRA CIRCLE — 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
391 MADEIRA CIRCLE FAQs
What would the monthly payment be for 391 MADEIRA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,879/mo — principal and interest, the actual property-tax bill, the $645/mo association fee 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.
How much are the HOA fees at 391 MADEIRA CIRCLE?+
The association fee works out to $645 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 391 MADEIRA CIRCLE?+
The most recent tax bill on record (2024) was $6,511. 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 391 MADEIRA CIRCLE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 Tierra Verde?+
At $399,900, this home is listed about 52% below the Tierra Verde median of $830,000. The market section on this page shows how the area is trending.
The brief
Five things that matter here
01Under the Tierra Verde market on paper
$399,900 is 52% below the Tierra Verde median of $830,000, and at $252/sqft it sits under the Tierra Verde average of $523.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $645/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
245 days on market against a Tierra Verde median of 66 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $489,000, now $399,900 — a $89K cut. The full history is in the market section below.
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Melissa Clark. MLS #TB8450232.
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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