4565 DUHME ROAD UNIT 106, MADEIRA BEACH, FL, 33708
Active106 days on marketListed Apr 21, 2026MLS #TB8500431
About this home
4565 DUHME ROAD UNIT 106
One or more photo(s) has been virtually staged. AFFORDABLY PRICED at $115,000, this is a great opportunity to live near Madeira Beach in a quiet, well-maintained community. The unit has new windows, brand-new appliances, and a flexible bonus space off the bedroom - ideal for a home office, fitness area, Florida room or even an opportunity for an additional bedroom. The community also offers on-site laundry, and a previous listing indicated a washer in the unit, suggesting this may be a possible option. Relax on the rear patio overlooking a peaceful canal. The unit includes assigned carport parking with storage area. The low monthly HOA fee of $576 covers Internet, Cable TV, building insurance, exterior and grounds maintenance, water, sewer, and trash - keeping ownership simple and cost-effective. If you are looking for affordability in a great location, this property is a must-see! SELLER FINANCING AVAILABLE - call!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
780
Sqft
0.88 ac
Lot size
1967
Year built
One
Levels
$147
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.
$1,044 /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
$1,044/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
−25.5%
$/sqft vs Madeira Beach actives
$147 vs $613
Days on market
106 vs 92 typical
Where $147/sqft sits among the 111 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 → $501K
Madeira Beach median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
53 of 111
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 75% 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 4565 DUHME ROAD UNIT 106
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$60,000
4565 DUHME ROAD UNIT 103 · same community
1 bd · 1 ba · 780 sqft · $77/sqft · 7 DOM
Sold · Apr ’26$419,300
13999 GULF BOULEVARD UNIT 201
2 bd · 2 ba · 822 sqft · $510/sqft · 29 DOM
Sold · Apr ’26$380,000
14001 GULF BOULEVARD UNIT 304
1 bd · 1.5 ba · 840 sqft · $452/sqft · 131 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 4565 DUHME ROAD UNIT 106 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4565 DUHME ROAD UNIT 106 — 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
4565 DUHME ROAD UNIT 106 FAQs
What would the monthly payment be for 4565 DUHME ROAD UNIT 106?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,044/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 4565 DUHME ROAD UNIT 106?+
The most recent tax bill on record (2025) was $1,876. 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 4565 DUHME ROAD UNIT 106?+
The listing reports pets: No. 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 $115,000, this home is listed about 85% below the Madeira Beach median of $750,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4565 DUHME ROAD UNIT 106?+
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
Three things that matter here
01Under the MADEIRA BEACH 33708 market on paper
$115,000 is 75% below the MADEIRA BEACH 33708 median of $465,000, and at $147/sqft it sits under the Madeira Beach average of $768.
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.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 LIST WITH BEGGINS · Kimberly Bowden. MLS #TB8500431.
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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