15318 HARBOR DRIVE, MADEIRA BEACH, FL, 33708
Active1051 days on marketListed Sep 7, 2023MLS #U8212942
About this home
15318 HARBOR DRIVE
Diamond In the Rough. New Fence, New Garage Door. You have a fabulous opportunity to purchase this unique property in one of the fastest-growing cities. Madeira Beach. This pool home is on a dead-end street among Multi-Million Dollar homes. This home sits on 90 feet of Boca Ciega intercoastal waterway—Sailboat waters with a dock connected to water & electricity. Due to Helene visiting this home the owner is planning on renovating. If this is your planned area you can make this 3/2 home a mid-century modern potential the way YOU want and make this property a Multi-Million dollar home. Walking distance to shopping centre, beach, restaurants, and more. This home is perfect for the boat & fishing lover. Enter the KING OF THE BEACH tournament or watch the boats come in with the big ones while sitting at your pool with a margarita or walk over and see the weigh-in. Don't miss out on this gem. The owner is ready for the country. Are you ready for the Beach?
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,564
Sqft
0.21 ac
Lot size
2
Garage
1960
Year built
One
Levels
$959
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.
$9,767 /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
$9,767/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
+113%
$/sqft vs Madeira Beach actives
$959 vs $632
Days on market
1051 vs 88 typical
Where $959/sqft sits among the 126 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)
63 of 126
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 203% 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 15318 HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$850,000
527 LILLIAN DRIVE
3 bd · 3 ba · 1,597 sqft · $532/sqft · 0 DOM
Sold · Jun ’26$900,000
538 LILLIAN DRIVE
3 bd · 2 ba · 1,600 sqft · $563/sqft · 48 DOM
Sold · Aug ’25$625,000
501 CRYSTAL DRIVE
3 bd · 2 ba · 1,489 sqft · $420/sqft · 4 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 15318 HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15318 HARBOR 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
15318 HARBOR DRIVE FAQs
What would the monthly payment be for 15318 HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,767/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 15318 HARBOR DRIVE?+
The most recent tax bill on record (2022) was $11,409. 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 15318 HARBOR 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 $1,500,000, this home is listed about 88% 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 15318 HARBOR 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
Five things that matter here
01Positioned at the premium end
$1,500,000 runs 203% above the MADEIRA BEACH 33708 median — but at 1,564 sqft it's also 26% 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.
03Time on market is leverage
1051 days on market against a Madeira Beach median of 88 — sellers in this position are usually ready to negotiate.
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.
05The price has already moved
Listed at $1,795,000, now $1,500,000 — a $295K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TOTAL REALTY SERVICES INC · Linda Tilka. MLS #U8212942.
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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