381 MADEIRA CIRCLE, TIERRA VERDE, FL, 33715
Active99 days on marketListed Apr 16, 2026MLS #TB8498728
About this home
381 MADEIRA CIRCLE
Welcome to your coastal retreat in the highly desirable Tierra Verde community, just minutes from the award-winning beaches of Fort De Soto Park. Known for its pristine shoreline, scenic trails, and laid-back island lifestyle, this location offers the perfect blend of tranquility and convenience. This beautifully maintained three-story townhouse offers both space and functionality. The ground level features an expansive tandem three-car garage, or a two-car setup with a dedicated workshop—ideal for hobbies, storage, or additional workspace. The second level showcases a bright and open-concept living, dining, and kitchen area—perfect for entertaining or everyday living. This level also includes a fully updated bathroom with brand-new porcelain tile, vanity, mirror, and toilet, along with a laundry area and a versatile office or guest bedroom. Upstairs on the third level, you’ll find the spacious primary suite featuring new luxury vinyl flooring and a private balcony with freshly stained wood flooring—perfect for enjoying morning coffee or evening breezes. An additional guest bedroom with new luxury vinyl flooring and a fully renovated bathroom complete this level. Additional upgrades include interior paint (October 2022), a water softener (2022), and a brand-new AC unit, providing comfort and peace of mind for years to come. Notably, the property experienced no flooding during recent storms, including Hurricane Helene and Hurricane Milton, offering added confidence in its resilience. Experience coastal living at its finest in one of St. Pete’s most sought-after island communities.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,585
Sqft
0.02 ac
Lot size
3
Garage
1998
Year built
Three Or More
Levels
$315
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.
$4,434 /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
$4,434/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
−15.7%
$/sqft vs PALMS OF TIERRA
$315 vs $441
Days on market
99 vs 66 typical
Where $315/sqft sits among the 6 homes for sale in PALMS OF TIERRA
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)
3 of 6
PALMS OF TIERRA have cut their price
Median sold price, Tierra Verde, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% below the Tierra Verde median. See the full Tierra Verde market guide →
Paper trail
This home's history
Reality check
What actually sold near 381 MADEIRA CIRCLE
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$775,000
307 MADEIRA CIRCLE · same community
3 bd · 3 ba · 1,585 sqft · $489/sqft · 117 DOM
Sold · Feb ’26$687,000
343 MADEIRA CIRCLE · same community
3 bd · 3 ba · 1,585 sqft · $433/sqft · 23 DOM
Sold · Oct ’25$650,000
341 MADEIRA CIRCLE · same community
3 bd · 3 ba · 1,585 sqft · $410/sqft · 16 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 381 MADEIRA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 381 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
381 MADEIRA CIRCLE FAQs
What would the monthly payment be for 381 MADEIRA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,434/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 381 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 381 MADEIRA CIRCLE?+
The most recent tax bill on record (2025) was $5,645. 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 381 MADEIRA CIRCLE?+
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 Tierra Verde?+
At $499,000, this home is listed about 40% below the Tierra Verde median of $830,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Tierra Verde market on paper
$499,000 is 40% below the Tierra Verde median of $830,000, and at $315/sqft it sits under the Tierra Verde average of $523.
02Know 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.
03The price has already moved
Listed at $549,000, now $499,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP INNOVATION · Oana Stefan. MLS #TB8498728.
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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