639 NORMANDY ROAD, Madeira Beach, FL, 33708
About This Home
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.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Fixer
- Year built: 1953
Materials
- Foundation: Slab,Stem Wall
- Roof: Built-Up
- Construction materials: Block
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: None
- Laundry features: In Garage
Bedroom2
- Features: Storage Closet
- Level: First
- Area: 120
- Dimensions: 10x12
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 3
Family Room
- Features: No Closet
- Level: First
- Area: 480
- Dimensions: 20x24
Features
- Cathedral Ceiling(s),High Ceilings
- Flooring: Terrazzo
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 2,093
- Total interior livable area: 1,469 sqft
Kitchen
- Features: No Closet
- Level: First
- Area: 100
- Dimensions: 10x10
Primary Bedroom
- Features: Dual Closets
- Level: First
- Area: 144
- Dimensions: 12x12
Property
Details
- Parcel number: 103115432720000240
- Special condition: None
Features
- Levels: One
- Stories: 1
- Private pool: Yes
- Pool features: Gunite,Heated,In Ground,Tile
- Patio & porch: Covered,Front Porch
- Exterior features: None
- Has spa: Yes
- Spa features: Heated,In Ground
- Has view: Yes
- View description: Water,Canal,Intracoastal Waterway
- Has water view: Yes
- Water view: Water,Canal,Intracoastal Waterway
- On waterfront: Yes
- Waterfront features: Canal - Saltwater,Saltwater Canal Access,Intracoastal Waterway Access,Lift,Seawall
Lot
- Lot size: 7,200 sqft
- Features: Cul-De-Sac,Flood Insurance Required,FloodZone,Street Dead-End
Parking
- Total spaces: 1
- Parking features: Garage - Attached
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Cold Wave
- Hurricane
- Lightning
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pinellas County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,540 | $54,480 |
| Home Insurance * | $231 | $2,772 |
| Property Taxes | $1,074 | $12,888 |
| Electricity | $197 | $2,366 |
| Total | $6,042 | $72,504 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-05 | Price change | $825,000 |
| 2026-07-22 | Listed for sale | $898,000 |
| 2025-07-14 | Sold | $550,000 |
| 2001-02-02 | Sold | $269,000 |
| 2000-04-07 | Sold | $237,900 |
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