
13095 GULF LANE, MADEIRA BEACH, FL, 33708
Active96 days on marketListed May 2, 2026MLS #TB8502493
About this home
13095 GULF LANE
Turnkey beachside investment opportunity with sought after zoning that allows for nightly vacation rentals. Located literally just steps from the powder white sands of the Gulf, this fully furnished 2 bedroom plus loft, 2 bath coastal retreat is ideally positioned for both strong rental performance and personal enjoyment. A brick paver walkway leads to the home’s welcoming front patio, which is surrounded by charming landscaping. Adirondack seating and a firepit create the perfect setting to relax and unwind after a day at the beach, setting the tone for the coastal lifestyle this property offers. A spacious storage shed keeps all your beach gear and toys organized, and an outdoor shower adds convenience after enjoying the sand and surf. Upon entry, the first floor features the kitchen and dining area, complete with white shaker cabinetry, quartz countertops, GE stainless steel appliance package including a counter-depth French door refrigerator, recessed lighting, and a stylish coffee bar with open shelving. This level also includes a bedroom, a beautifully updated full bathroom with a tiled walk-in shower and frameless glass enclosure, and a convenient washer and dryer. The second floor serves as the main living space, showcasing vaulted ceilings, abundant natural light, and a comfortable gathering area. An enclosed loft on this level provides valuable additional sleeping or flex space, along with a second fully updated bathroom featuring a tiled walk-in shower and frameless glass door. The third floor offers a spacious bedroom, creating a private retreat for guests and separating sleeping areas for larger groups. This thoughtfully designed three level home comfortably sleeps 7 and is ideal for maximizing guest occupancy. The home has been upgraded with luxury vinyl plank flooring throughout the first and second floors and plantation shutters throughout, delivering a clean, coastal aesthetic that is both stylish and durable for short term rental use. A metal roof adds long term value, durability, and peace of mind for owners. The property also offers ample parking, a rare and valuable feature for vacation rentals in this area. Positioned in one of Tampa Bay's most desirable beachside locations, this property consistently attracts vacationers year round. The ability to rent nightly provides a major advantage for income generation, making this an ideal opportunity for investors or buyers seeking a beach home that can offset ownership costs. Popular local dining and entertainment options including Mad Beach Cantina and Bamboo Beach Bar are located just across the street, while John’s Pass Village and Boardwalk is also just steps away, offering waterfront dining, shopping, fishing charters, and boating excursions. Additional nearby favorites such as Candy Kitchen, Dockside Dave’s, Daiquiri Deck, and other local hotspots are all within walking distance. Enjoy incredible sunsets just moments from your front door along the Gulf shoreline. Offered fully furnished and beautifully appointed, this is a true plug and play investment ready for immediate use or continued rental.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,404
Sqft
0.04 ac
Lot size
1947
Year built
Three Or More
Levels
$598
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.
$5,851 /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
$5,851/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
+52.4%
$/sqft vs Madeira Beach actives
$598 vs $613
Days on market
96 vs 97 typical
Where $598/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 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 → $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 86% 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 13095 GULF LANE
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$1,150,000
13511 GULF BOULEVARD · same community
3 bd · 2 ba · 1,320 sqft · $871/sqft · 4 DOM
Sold · Apr ’26$3,730,000
13423 GULF LANE · same community
3 bd · 2.5 ba · 3,146 sqft · $1,186/sqft · 43 DOM
Sold · Sep ’25$365,000
11130 3RD STREET E
3 bd · 2 ba · 1,465 sqft · $249/sqft · 44 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 13095 GULF LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13095 GULF LANE — 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
13095 GULF LANE FAQs
What would the monthly payment be for 13095 GULF LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,851/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 13095 GULF LANE?+
The most recent tax bill on record (2025) was $10,196. 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 $839,000, this home is listed about 12% above the Madeira Beach median of $750,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13095 GULF LANE?+
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
01Positioned at the premium end
$839,000 runs 86% above the MADEIRA BEACH 33708 median.
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 $995,000, now $839,000 — a $156K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WESTWARD REAL ESTATE · John Pestalozzi Jr LLC. MLS #TB8502493.
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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