13123 4TH STREET E, MADEIRA BEACH, FL, 33708
Active162 days on marketListed Feb 11, 2026MLS #TB8475238
About this home
13123 4TH STREET E
This home is charming and full of character on the outside and on the inside! Perfectly situated just a short stroll from the beautiful and soft sand and sparkling waters of The Florida coast. Step inside this home to the welcoming, open-concept living area that flows seamlessly into a efficiently designed kitchen all with lots of natural light. The back yard is spacious and has a private patio which is an ideal spot for enjoying a beverage or unwinding after a day at the beach. Designated off street parking. Madeira Beach is desirable and loved by locals and visitors for many reasons. Adjacent to so much the area has such as John's Pass Village, Treasure Island and so many delicious restaurants, shopping, water activities and other seaside attractions to choose from. Schedule a showing of this beach town gem as soon as possible and see for yourself if this is "The One" for you!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
681
Sqft
0.09 ac
Lot size
1930
Year built
One
Levels
$661
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.
$3,214 /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
$3,214/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.
$/sqft vs Madeira Beach actives
$661 vs $632
Days on market
162 vs 88 typical
Where $661/sqft sits among the 125 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)
60 of 125
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 7% 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 13123 4TH STREET E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$300,000
13123 4TH STREET E · same community
2 bd · 1 ba · 681 sqft · $441/sqft · 93 DOM
Sold · Aug ’25$285,000
13313 3RD STREET E · same community
1 bd · 1 ba · 786 sqft · $363/sqft · 42 DOM
Sold · Oct ’25$425,000
13225 2ND STREET E · same community
2 bd · 1.5 ba · 1,035 sqft · $411/sqft · 226 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 13123 4TH STREET E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13123 4TH STREET E — 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
13123 4TH STREET E FAQs
What would the monthly payment be for 13123 4TH STREET E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,214/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 13123 4TH STREET E?+
The most recent tax bill on record (2024) was $2,467. 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 13123 4TH STREET E?+
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 $450,000, this home is listed about 44% 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 13123 4TH STREET E?+
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
Three things that matter here
01Under the MADEIRA BEACH 33708 market on paper
$450,000 is 7% below the MADEIRA BEACH 33708 median of $485,000, and at $661/sqft it sits under the Madeira Beach average of $742.
02Strong 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.
03The price has already moved
Listed at $495,000, now $450,000 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Lisa Mauriello. MLS #TB8475238.
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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