10132 GRAND OAK CIRCLE, MADEIRA BEACH, FL, 33708
Active4 days on marketListed Jul 27, 2026MLS #TB8533311
About this home
10132 GRAND OAK CIRCLE
Virtually Staged. WELCOME HOME! This masterfully appointed, meticulously maintained two story contemporary style home boasts 4 bedrooms, 3 full bathrooms with approximately 2,200 sq. ft of indoor living space. Enjoy what this Madeira Beach has to offer with its gorgeous sand beaches in this picturesque area of St. Petersburg. This home, situated in a private gated community offers an open floor plan with an amazing gourmet kitchen with cream colored solid wood cabinets, granite counter tops, and stainless-steel appliances included. The owners retreat boasts large walk-in closets, and stunning owners’ bathroom, with dual sinks with stone counter tops. There are tons of upgrades throughout this home perfect for entertaining guests. This home is also loaded with upgrades from ceramic tile flooring, and plenty of extra windows bring in the natural light during the day. Easy access to many great local restaurants, stores, beaches, and the beautiful downtown St. Petersburg.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,217
Sqft
0.09 ac
Lot size
2
Garage
2016
Year built
Two
Levels
$275
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 and the real association fee — not generic estimates.
$4,529 /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
$4,529/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
+4.1%
$/sqft vs Madeira Beach actives
$275 vs $613
Days on market
4 vs 88 typical
Where $275/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)
59 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 28% 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 10132 GRAND OAK CIRCLE
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$769,000
10168 GRAND OAK CIRCLE · same community
4 bd · 2.5 ba · 2,941 sqft · $261/sqft · 15 DOM
Sold · Dec ’25$1,200,000
565 CRYSTAL DRIVE
3 bd · 3 ba · 2,253 sqft · $533/sqft · 110 DOM
Sold · Jun ’26$1,100,000
565 CRYSTAL DRIVE
3 bd · 2.5 ba · 2,253 sqft · $488/sqft · 101 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 10132 GRAND OAK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10132 GRAND OAK CIRCLE — 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
10132 GRAND OAK CIRCLE FAQs
What would the monthly payment be for 10132 GRAND OAK CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,529/mo — principal and interest, the actual property-tax bill, the $140/mo association fee 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.
How much are the HOA fees at 10132 GRAND OAK CIRCLE?+
The association fee works out to $140 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10132 GRAND OAK CIRCLE?+
The most recent tax bill on record (2025) was $8,503. 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 10132 GRAND OAK CIRCLE?+
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 $610,000, this home is listed about 24% 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 10132 GRAND OAK CIRCLE?+
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
01Positioned at the premium end
$610,000 runs 28% above the MADEIRA BEACH 33708 median — but at 2,217 sqft it's also nearly twice the size of the typical Madeira Beach listing.
02Fresh on the market
Only 4 days on market in a Madeira Beach market that averages 88 — if it fits, move quickly.
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 BRIGHT REALTY GROUP LLC · Yongkai Zheng. MLS #TB8533311.
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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