Homes, values and local insight for Madeira Beach, Pinellas County, Florida. Typical home value $629,000.
Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes
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Madeira Beach is a distinctive Florida community that offers residents a blend of local character, quality amenities, and regional convenience.
The Madeira Beach real estate market serves a range of buyers including first-time homeowners, growing families, professionals, and retirees. Properties include single-family homes, condominiums, and townhouses across various price points and styles that reflect the area's architectural heritage and modern development.
Winslow Homes LLC and Ryan & Megan Winslow serve Madeira Beach buyers and sellers across Florida. Ryan and Megan Winslow provide both real estate brokerage and mortgage services as Mortgage Bankers with The Federal Savings Bank (Ryan Winslow NMLS #2426605 | Megan Winslow NMLS #2692933). Get pre-approved at www.winslowloan.com or call 386-690-5858.
Explore Madeira Beach Neighborhoods
Historic center with local shops, dining, and civic institutions.
Residential area with established neighborhoods and good school access.
Quiet residential streets with a mix of homes and convenient commuter access.
Expanding area with newer construction and family-friendly amenities.
Unique Property Types in Madeira Beach
Properties with lake, pond, or reservoir access where available in Madeira Beach.
Homes near local waterways offering natural settings and scenic views.
What Every Buyer Must Know
Some areas of Madeira Beach near waterways may fall in AE flood zones. Verify specific property with FEMA flood map.
Moderate flood risk exists in select Madeira Beach areas near wetlands or drainage basins.
Most Madeira Beach properties are in Zone X (minimal flood risk). Flood insurance optional but may be recommended.
Insurance Tip: Florida homeowners insurance averages $3,500-$5,000 annually due to hurricane exposure. Flood insurance separate, often required near coast.
Real Estate Investment in Madeira Beach
Steady appreciation and rental demand make Madeira Beach suitable for long-term wealth building.
Rental demand in Madeira Beach supports cash flow strategies for single-family and multifamily properties.
Older properties in Madeira Beach offer value-add opportunities through renovation and modernization.
Madeira Beach investment risks include regional market volatility, property tax changes, and insurance cost increases. Work with experienced agents to assess individual opportunities.
Where New Homes Are Being Built
New development zones on the outskirts of Madeira Beach offer modern construction and newer floor plans.
Buyer Tips for New Construction: Always hire your own inspector for new builds. Review CDD obligations carefully. Negotiate upgrades, not price. A buyer's agent costs you nothing with new construction and provides critical representation.
Drive Times & Work-From-Anywhere
Convenient access from Madeira Beach to nearby cities via major roads and highways.
Madeira Beach residents commute to regional metropolitan areas for employment and entertainment.
Madeira Beach supports remote workers with reliable broadband access, quiet residential settings, and home office-friendly properties.
Your Dollar in Madeira Beach
Florida has no state income tax. Property taxes average 0.98% of assessed value with homestead exemption up to $51,411 (2026).
Florida has no state income tax. This represents savings of $5,000-$30,000+ annually compared to Northeast states like Massachusetts, Connecticut, and New York. Combined with homestead exemption savings, Florida offers significant cost advantages for homeowners.
Cost of living in Madeira Beach aligns with regional Florida averages. Housing remains the largest expense category.
Homeowners insurance in Madeira Beach averages $2,500-$5,000 annually. Coverage varies by property age, value, and risk factors.
Living the Madeira Beach Life
Madeira Beach offers parks, trails, and outdoor recreation opportunities year-round.
Local restaurants, cafes, and cultural venues provide community gathering spaces in Madeira Beach.
Local retail, services, and major shopping areas accessible within and near Madeira Beach.
Employment & Economic Drivers
Retail, professional services, and hospitality anchor the Madeira Beach economy.
Residents also commute to regional employment centers for professional opportunities.
Remote work grows as a major economic factor in Madeira Beach, supported by quality broadband and home-office friendly properties.
Getting Around Madeira Beach
Madeira Beach connects to major highways and arterials providing access to regional destinations.
Madeira Beach offers walkable neighborhoods and bike-friendly areas in the town center and residential zones.
Madeira Beach residents access regional airports within reasonable driving distance for domestic and international travel.
What's Coming to Madeira Beach
Expanding development areas bringing new construction to Madeira Beach.
The Madeira Beach market outlook remains positive with steady demand, moderate appreciation, and balanced inventory conditions expected through 2026.
Real Estate Investment in Madeira Beach
Pre-approve financing before searching. Work with Madeira Beach-focused agents.
Long-term holds in Madeira Beach benefit from regional appreciation trends.
DISCUSS INVESTMENT STRATEGY
Avoid These Costly Errors
Get pre-approved with Ryan & Megan Winslow, Mortgage Bankers with The Federal Savings Bank, before shopping.
Budget for taxes, insurance, HOA, and maintenance beyond the mortgage payment.
A local Madeira Beach agent knows which streets flood, which buildings have pending special assessments, and which neighborhoods are appreciating fastest. Buyer agent services are free to the buyer in most transactions.
The typical home in Madeira Beach is worth $629,000, 70% above the Pinellas County typical value of $371,000 and 68% above the Florida typical value of $375,000.
Zillow Home Value Index for Madeira Beach, August 2026. The middle of the market for single family homes and condos.
Home values in Madeira Beach moved +3.6% over five years and +68.0% over ten.
Median gross rent in Madeira Beach. Useful for investors running rental numbers.
Share of occupied homes in Madeira Beach lived in by the owner.
Older homes often need inspection focus on roof, systems and windows.
Median household income in Madeira Beach.
Ryan and Megan are mortgage bankers with The Federal Savings Bank, lending in all 50 states. You get the home and the loan from one team. On a typical Madeira Beach home of $629,000:
Ryan and Megan price Madeira Beach homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.
Typical value $708,000 · 1,383 residents
Area guide →Typical value $526,000 · 6,524 residents
Area guide →Typical value $667,000 · 1,478 residents
Area guide →Typical value $386,000 · 19,395 residents
Area guide →Typical value $669,000 · 2,167 residents
Area guide →Typical value $293,000 · 5,280 residents
Area guide →See the full Pinellas County real estate guide or the Florida real estate guide.
The Zillow Home Value Index for Madeira Beach was $629,000 in August 2026, -2.6% over the past year.
Madeira Beach is in Pinellas County, Florida.
About 4,014 people as of the 2024 Census Bureau estimate, up from 3,896 in 2020.
Ryan and Megan Winslow of Winslow Homes have sold over 3,000 homes since 2009 and are licensed in Florida, Massachusetts, Connecticut and Rhode Island. Call or text 386-690-5858.
Apply at www.winslowloan.com. Ryan and Megan are mortgage bankers with The Federal Savings Bank and lend in all 50 states, including FHA, VA and conventional loans.
60% of occupied homes in Madeira Beach are owner occupied, based on the 2019 to 2023 American Community Survey.
17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.
Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey; Zillow Home Value Index, August 2026. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.
No in-person meeting or phone call needed for most addresses. See your estimated value, price range and value trend in seconds.
Get coming-soon homes, pocket listings and price drops in Madeira Beach, FL before they hit the big home search sites.
The typical home in Madeira Beach is worth $508,726 as of August 2026 in ZIP code 33708. Values moved -2.8% over the last 12 months at the middle ZIP code.
| ZIP | Typical value | 12 months | 5 years | Median sale, Mar to May 2026 | Days on market |
|---|---|---|---|---|---|
| 33708 | $508,726 | -2.8% | +2.5% | $570,000 | 100 |
Sources: Zillow Home Value Index through August 2026 and the Redfin Data Center ZIP code tracker, March to May 2026. Ask Ryan and Megan for a value for your own home.
