639 NORMANDY ROAD, MADEIRA BEACH, FL, 33708
Active3 days on marketListed Jul 22, 2026MLS #TB8526905
About this home
639 NORMANDY ROAD
Stunning waterfront opportunity on Madeira Beach! This beautifully located waterfront lot features a private pool, concrete seawall, and a dock with boat lift already in place—bring your boat and your vision. The owner is the listing agent and a licensed General Contractor who can build your custom home on a cost-plus structure, offering significant savings versus typical new-build pricing. The existing home was flooded and fully remediated but not rebuilt; the property was determined NOT substantially damaged, creating options for renovation or a custom teardown-to-rebuild subject to buyer due diligence. Property is sold AS-IS with no warranties. Prime location near Gulf beaches, shopping, dining, Stunning and Vibrant Johns Pass and boating waterways—create your dream coastal retreat and capitalize on this rare value-add package. Buyers to verify all measurements, flood zone, substantial damage determination, and permitting requirements.
Facts & features
The home at a glance
2
Bedrooms
3
Bathrooms
1,469
Sqft
0.17 ac
Lot size
1
Garage
1953
Year built
One
Levels
$611
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.
$5,760 /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
$5,760/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.
$/sqft vs Madeira Beach actives
$611 vs $642
Days on market
3 vs 88 typical
Where $611/sqft sits among the 124 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)
61 of 124
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 81% 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 639 NORMANDY ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$500,000
12132 CAPRI CIRCLE S
2 bd · 2.5 ba · 1,450 sqft · $345/sqft · 119 DOM
Sold · May ’26$546,200
12320 CAPRI CIRCLE N UNIT 404
2 bd · 2.5 ba · 1,450 sqft · $377/sqft · 52 DOM
Sold · Feb ’26$800,000
12512 1ST STREET W UNIT 2
2 bd · 2.5 ba · 1,350 sqft · $593/sqft · 293 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 639 NORMANDY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 639 NORMANDY ROAD — 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
639 NORMANDY ROAD FAQs
What would the monthly payment be for 639 NORMANDY ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,760/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 639 NORMANDY ROAD?+
The most recent tax bill on record (2025) was $5,012. 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 $898,000, this home is listed about 12% above the Madeira Beach median of $799,000. The market section on this page shows how the area is trending.
Which schools are assigned to 639 NORMANDY ROAD?+
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
$898,000 runs 81% above the MADEIRA BEACH 33708 median — but at 1,469 sqft it's also 18% larger than 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.
03Fresh on the market
Only 3 days on market in a Madeira Beach market that averages 88 — if it fits, move quickly.
04Strong 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 CHARLES RUTENBERG REALTY INC · Dominic Fecarotta. MLS #TB8526905.
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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