David Ramirez
$4,495,0006 bd5 ba3,902 sqft$1,152 /sqft$28,181 /mo all-in ↓

13303 GULF LANE, MADEIRA BEACH, FL, 33708

Active78 days on marketListed May 18, 2026MLS #TB8509500

WaterfrontPrivate poolFully furnishedSingle Family ResidenceMITCHELLS BEACH REV

About this home

13303 GULF LANE

Enjoy restful coastal living in this traditionally styled, direct beach, gulf-front home featuring six bedrooms, four full baths and two half-baths. A scenic three blocks from charming Johns Pass Village with its quaint shops, restaurants, boating, boardwalks and entertainment. This home was completely remodeled in 2009, including hickory wood flooring, top-of-the-line interior décor, along with granite and classic tile throughout. The home is on a deep, sandy, rich beach with inviting, panoramic views of the Gulf of Mexico. Enjoy two large, gulf-front balconies, one off the living area and another private balcony off the main suite, with its architecturally designed, vaulted ceiling. Check out the luxurious primary bath with its bay-windowed, jetted tub providing luxurious Gulf of Mexico and sunset views. This private home is being offered fully furnished and equipped. The interior of the home has a large living room with fireplace, dining room and kitchen, including a gulf-front breakfast nook. Floor-to-ceiling sliding glass doors take you from this area of the residence to your expansive balcony that overlooks the beach. This level of the home also has a large, interior family room/game room as well as a first floor guest bedroom and an attractive sitting /entry lounge. In addition to the 4,000 square feet of this home’s traditional coastal design, there is a unique first-level leisure activity room which provides an inviting atmosphere for entertaining and casual relaxation! The innovative architectural design provides the pool and beach level with a unique, versatile area to accommodate various family activities like parties, cookouts, playing games or watching movies. This area comfortably provides an indoor area with direct access to the pool and beach. This leisure activity room is further enhanced with a large beach-kitchen, including refrigerator, bath, and washer and dryer, all designed to provide the home with a fully enclosed, special area to enjoy the pool, beach and outside amenities without worrying about tracking sand, water or beach toys into the living area of the home. Uniquely designed light and bright with elevator service to the upstairs and the leisure activity room’s direct access to the swimming pool, sundeck, covered beach lanai, and of course, your beach, making this a fantastic addition to the home. The garage has enough space to accommodate four vehicles, along with a secure storage room and utility room, plus elevator access to the upper levels of the home as well as the leisure activity room.

Facts & features

The home at a glance

6

Bedrooms

5

Bathrooms

3,902

Sqft

0.09 ac

Lot size

4

Garage

1990

Year built

Three Or More

Levels

$1,152

Per sqft

Private poolWaterfrontFireplaceWater viewFurnished

Inside

FlooringCarpet · Ceramic Tile · Engineered Hardwood
AppliancesBuilt-In Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Freezer · Microwave
InteriorAccessibility Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · Elevator · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryIn Garage · Inside · Laundry Room
CoolingCentral Air · Zoned
HeatingCentral · Electric · Zoned
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionHardiPlank Type
FoundationPillar/Post/Pier · Stilt/On Piling
ViewWater
FacesWest
ParkingBath In Garage · Deeded · Driveway · Garage Door Opener · Ground Level · Guest · Under Building
ExteriorBalcony · Lighting · Outdoor Grill · Private Mailbox · Sliding Doors · Storage

Community & fees

Taxes (2025)$24,972/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Fire Hydrant · Natural Gas Connected · Sewer Connected · Sprinkler Meter · Street Lights · Underground Utilities · Water Connected
WaterSee Remarks

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$28,181 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$24,255
PMI (est., until 20% equity)$1,686
Property tax — 2025 actual bill$2,081
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $449,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $449,500
Interest rate6.00%
Loan term

Estimated payment

$28,181/mo

Principal & interest$24,255
PMI (est., until 20% equity)$1,686
Property taxes (actual bill)$2,081
Est. insurance$160

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.

$/sqft vs Madeira Beach actives

$1,152 vs $605

Days on market

78 vs 86 typical

Where $1,152/sqft sits among the 112 Madeira Beach actives

59
38
3 · this home
4
1
7
$277–628$628–979$979–1329$1329–1680$1680–2031$2031+

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

Map of 13303 GULF LANE inside its neighborhood boundary

Drive times from this address

Downtown Tampa41 min
Tampa Int’l Airport (TPA)41 min

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

ElementaryOrange Grove Elementary School★★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★
MiddleSeminole Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Madeira Beach market

Seller’s marketBalanced6.7 months of inventoryBuyer’s market

$573K$620K

Madeira Beach median sold, yr/yr

94.2%

Sale-to-list ratio (12 mo)

54 of 112

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 856% above the MADEIRA BEACH 33708 median. See the full Madeira Beach market guide →

Paper trail

This home's history

May 18, 2026Listed at $4,495,000 · 78 days on market since
1990Built · MITCHELLS BEACH REV

Reality check

What actually sold near 13303 GULF LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

13423 GULF LANESold · Apr ’26

$3,730,000

13423 GULF LANE · same community

3 bd · 2.5 ba · 3,146 sqft · $1,186/sqft · 43 DOM

13511 GULF BOULEVARDSold · Apr ’26

$1,150,000

13511 GULF BOULEVARD · same community

3 bd · 2 ba · 1,320 sqft · $871/sqft · 4 DOM

400 115TH AVENUESold · Sep ’25

$2,350,000

400 115TH AVENUE

5 bd · 3.5 ba · 3,833 sqft · $613/sqft · 14 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 13303 GULF LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13303 GULF LANE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

13303 GULF LANE FAQs

What would the monthly payment be for 13303 GULF LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $28,181/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 13303 GULF LANE?+

The most recent tax bill on record (2025) was $24,972. 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 13303 GULF LANE?+

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 $4,495,000, this home is listed about 499% 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 13303 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

$4,495,000 runs 856% above the MADEIRA BEACH 33708 median — but at 3,902 sqft it's also nearly 3 times the size of the typical Madeira Beach listing.

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, 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.

Listing courtesy of PREMIER SOTHEBY'S INTL REALTY · Michael Lynch. MLS #TB8509500.

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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