821 BAY POINT DRIVE, MADEIRA BEACH, FL, 33708
Active78 days on marketListed May 13, 2026MLS #TB8506826
About this home
821 BAY POINT DRIVE
4BR/4BA Key West–style waterfront retreat with breathtaking wide water views, private boat dock, and lift! This beautifully designed home offers the ultimate coastal lifestyle with two garages (2-car + 1-car) and a convenient private elevator servicing every level from the ground floor. Enjoy indoor-outdoor living at its finest with a covered ground-floor patio and two oversized balconies—one featuring a cozy outdoor fireplace perfect for sunset evenings. The spacious kitchen showcases stainless steel appliances, granite countertops, and stunning water views, making it ideal for both everyday living and entertaining. The main living area impresses with soaring vaulted ceilings and a warm gas fireplace for cooler nights. All bedrooms feature ensuite baths, including a Jack-and-Jill setup for added convenience. New dock placed with lift. Ideally located just minutes from beautiful beaches, popular restaurants, and local shops. Pets considered with owner approval and additional deposit. No smoking inside the home.
Facts & features
The home at a glance
4
Bedrooms
5
Bathrooms
3,088
Sqft
0.17 ac
Lot size
3
Garage
2007
Year built
Three Or More
Levels
$4
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$240 /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
$240/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Madeira Beach actives
$4 vs $627
Days on market
78 vs 88 typical
Where $4/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 98% 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 821 BAY POINT DRIVE
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$2,200,000
850 BAY POINT DRIVE · same community
5 bd · 4 ba · 2,628 sqft · $837/sqft · 51 DOM
Sold · Dec ’25$1,700,000
856 BAY POINT DRIVE · same community
4 bd · 3 ba · 2,439 sqft · $697/sqft · 43 DOM
Sold · Aug ’25$1,950,000
833 BAY POINT DRIVE · same community
3 bd · 2 ba · 2,267 sqft · $860/sqft · 307 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 821 BAY POINT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 821 BAY POINT 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
821 BAY POINT DRIVE FAQs
What would the monthly payment be for 821 BAY POINT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $240/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 821 BAY POINT DRIVE?+
The listing reports pets: Yes. 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 $11,000, this home is listed about 99% 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 821 BAY POINT 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
Three things that matter here
01Under the MADEIRA BEACH 33708 market on paper
$11,000 is 98% below the MADEIRA BEACH 33708 median of $475,000, and at $4/sqft it sits under the Madeira Beach average of $742.
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 RE/MAX ACTION FIRST OF FLORIDA · Jane McCroary. MLS #TB8506826.
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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