10193 GRAND OAK CIRCLE, MADEIRA BEACH, FL, 33708
Active101 days on marketListed Apr 20, 2026MLS #TB8499854
About this home
10193 GRAND OAK CIRCLE
Looking for a spacious home that is not only close to the award-winning beaches but is also centrally located and near all the conveniences that Seminole has to offer? Then this updated 2 story contemporary style home located, in the gated Cove at Bay Pines community, could be for you. Not to mention, the local VA Hospital is right down the street! This house has been immaculately cared for, and it all starts with landscaping! As you approach the front entrance, you will notice a beautiful array of plants and flowers that follow you up to a grand, archway. The backyard allows the new owner to truly maximize Florida outdoor living! The screened-in pool allows for a peaceful and private experience. The backyard also uniquely offers plenty of shade, making this backyard a great entertainment space, even on the hottest days! Enjoy stainless appliances including a new, 2025 Refrigerator! The kitchen also includes upgraded ceramic tiling and plenty of storage space. Upstairs, an expansive primary bedroom awaits, which includes an ensuite bathroom (soaker tub and walk-in shower) and deep, walk-in closet. Whether you are upstairs or down, the 2024 AC will cool you off on those summer days! This community RARELY has available homes for sale so stop by quickly! This dream home won't be on the market long!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,818
Sqft
0.12 ac
Lot size
2
Garage
2014
Year built
Two
Levels
$277
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.
$5,741 /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
$5,741/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
−51.7%
$/sqft vs Madeira Beach actives
$277 vs $613
Days on market
101 vs 88 typical
Where $277/sqft sits among the 121 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)
58 of 121
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 64% 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 10193 GRAND OAK CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$769,000
10168 GRAND OAK CIRCLE · same community
4 bd · 2.5 ba · 2,941 sqft · $261/sqft · 15 DOM
Sold · Apr ’26$2,200,000
850 BAY POINT DRIVE
5 bd · 4 ba · 2,628 sqft · $837/sqft · 51 DOM
Sold · Sep ’25$730,000
11119 CHEROKEE DRIVE
4 bd · 2 ba · 2,587 sqft · $282/sqft · 21 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 10193 GRAND OAK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10193 GRAND OAK 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
10193 GRAND OAK CIRCLE FAQs
What would the monthly payment be for 10193 GRAND OAK CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,741/mo — principal and interest, the actual property-tax bill, the $135/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 10193 GRAND OAK CIRCLE?+
The association fee works out to $135 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10193 GRAND OAK CIRCLE?+
The most recent tax bill on record (2025) was $11,331. 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 10193 GRAND OAK 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 Madeira Beach?+
At $780,000, this home is listed about 2% 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 10193 GRAND OAK CIRCLE?+
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
$780,000 runs 64% above the MADEIRA BEACH 33708 median — but at 2,818 sqft it's also nearly twice the size of the typical Madeira Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $810,000, now $780,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Ryan Smith. MLS #TB8499854.
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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