
728 PRUITT DRIVE, MADEIRA BEACH, FL, 33708
Active109 days on marketListed Apr 7, 2026MLS #TB8494283
About this home
728 PRUITT DRIVE
PRICE IMPROVEMENT! Unrivaled waterfront living takes center stage in this just-renovated coastal masterpiece, perfectly positioned on a deep-water canal in prestigious Bay Point Estates—with quick, direct access to the Intracoastal Waterway and the Gulf of Mexico, placing world-class boating at your doorstep. Your private dock, sparkling pool, and seamless access to John’s Pass further elevate the experience, redefining the boating lifestyle. Enjoy a 1-mile walk to John’s Pass and a 5-minute walk to Madeira Beach and Caddy’s Waterfront Restaurant. A sweeping circular driveway framed by lush landscaping and swaying palm trees creates a striking first impression, offering exceptional curb appeal and ample parking. Inside, this beautifully designed 2-bedroom, 2-bath residence offers 1,802 square feet of light-filled living space, with a welcoming entry and a stylish front office or bonus room framed by glass-paneled doors—perfect for working from home or a quiet retreat. The home opens into a stunning open-concept living area where the kitchen, dining, and living spaces flow seamlessly together, enhanced by natural light and tranquil waterfront views. NEW Roof and A/C in 2025! At the heart of the home, the designer kitchen showcases quartz countertops, custom bright cabinetry, a center island with seating, and sleek glass-front appliances—ideal for everyday living and entertaining. Warm wood accents, curated coastal lighting, and refined finishes add depth and character, while expansive windows and sliding glass doors create a seamless connection to the waterfront. The open great room is a true showpiece, anchored by a dramatic floor-to-ceiling marble feature wall with a sleek linear fireplace, creating a focal point. Soft coastal tones and generous seating invite relaxation, while walls of glass frame serene water views and fill the space with natural light. The adjoining dining area is perfectly positioned to capture the view, completing the home’s indoor-outdoor flow. Privately tucked away, the primary suite offers a serene retreat with a light, airy ambiance and thoughtfully designed layout. The spa-inspired ensuite bath features a glass-enclosed shower with elegant tilework, dual vanities, and refined finishes reminiscent of a boutique hotel. A custom walk-in closet completes the suite, offering both style and organization. Step outside to your private waterfront oasis, where beautifully designed outdoor living spaces invite relaxation and entertaining. A sparkling pool is surrounded by expansive paver decking, offering multiple areas to lounge, dine, and enjoy the coastal breeze. A covered gazebo creates the perfect shaded retreat for morning coffee or evening cocktails, set against wide water views and swaying palms. The lush lawn and thoughtfully landscaped grounds add privacy and charm, enhancing the home’s resort-style ambiance. Enjoy peaceful moments poolside as dolphins glide by, or unwind on your private dock before heading out for a day on the water—made effortless with your remote-controlled 10,000 lb lift. The dock is new and features lighting for nighttime, two new boat motor lifts, and a fish cleaning station with plumbing and electric. With deep-water access and quick navigation to the Intracoastal Waterway and Gulf of Mexico, this property is truly a boater’s dream. This is coastal living at its finest—where every day feels like a vacation and the water is always within reach. Schedule your private appointment today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,802
Sqft
0.14 ac
Lot size
1954
Year built
One
Levels
$610
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.
$7,071 /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
$7,071/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
+13.2%
$/sqft vs Madeira Beach actives
$610 vs $642
Days on market
109 vs 88 typical
Where $610/sqft sits among the 124 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)
60 of 124
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 122% 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 728 PRUITT DRIVE
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$927,600
728 PRUITT DRIVE · same community
3 bd · 2 ba · 1,802 sqft · $515/sqft · 0 DOM
Sold · Jul ’26$875,000
732 PRUITT DRIVE · same community
2 bd · 2 ba · 1,999 sqft · $438/sqft · 0 DOM
Sold · Jan ’26$635,000
730 PRUITT DRIVE · same community
2 bd · 1 ba · 1,330 sqft · $477/sqft · 141 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 728 PRUITT DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 728 PRUITT 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
728 PRUITT DRIVE FAQs
What would the monthly payment be for 728 PRUITT DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,071/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 728 PRUITT DRIVE?+
The most recent tax bill on record (2025) was $6,822. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Madeira Beach?+
At $1,099,000, this home is listed about 38% 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 728 PRUITT 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
01Positioned at the premium end
$1,099,000 runs 122% above the MADEIRA BEACH 33708 median — but at 1,802 sqft it's also 45% 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.
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 $1,250,000, now $1,099,000 — a $151K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Raymond Mihara. MLS #TB8494283.
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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