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13095 Gulf Ln, Madeira Beach, FL, 33708

2beds
2baths
1,404sqft
$839,000
$598price/sqft
$5,997/moest. monthly cost
$239,880/yrincome needed

About This Home

Turnkey beachside investment opportunity with sought after zoning that allows for nightly vacation rentals. Located literally just steps from the powder white sands of the Gulf, this fully furnished 2 bedroom plus loft, 2 bath coastal retreat is ideally positioned for both strong rental performance and personal enjoyment. A brick paver walkway leads to the home’s welcoming front patio, which is surrounded by charming landscaping. Adirondack seating and a firepit create the perfect setting to relax and unwind after a day at the beach, setting the tone for the coastal lifestyle this property offers. A spacious storage shed keeps all your beach gear and toys organized, and an outdoor shower adds convenience after enjoying the sand and surf. Upon entry, the first floor features the kitchen and dining area, complete with white shaker cabinetry, quartz countertops, GE stainless steel appliance package including a counter-depth French door refrigerator, recessed lighting, and a stylish coffee bar with open shelving. This level also includes a bedroom, a beautifully updated full bathroom with a tiled walk-in shower and frameless glass enclosure, and a convenient washer and dryer. The second floor serves as the main living space, showcasing vaulted ceilings, abundant natural light, and a comfortable gathering area. An enclosed loft on this level provides valuable additional sleeping or flex space, along with a second fully updated bathroom featuring a tiled walk-in shower and frameless glass door. The third floor offers a spacious bedroom, creating a private retreat for guests and separating sleeping areas for larger groups. This thoughtfully designed three level home comfortably sleeps 7 and is ideal for maximizing guest occupancy. The home has been upgraded with luxury vinyl plank flooring throughout the first and second floors and plantation shutters throughout, delivering a clean, coastal aesthetic that is both stylish and durable for short term rental use. A metal roof adds long term value, durability, and peace of mind for owners. The property also offers ample parking, a rare and valuable feature for vacation rentals in this area. Positioned in one of Tampa Bay's most desirable beachside locations, this property consistently attracts vacationers year round. The ability to rent nightly provides a major advantage for income generation, making this an ideal opportunity for investors or buyers seeking a beach home that can offset ownership costs. Popular local dining and entertainment options including Mad Beach Cantina and Bamboo Beach Bar are located just across the street, while John’s Pass Village and Boardwalk is also just steps away, offering waterfront dining, shopping, fishing charters, and boating excursions. Additional nearby favorites such as Candy Kitchen, Dockside Dave’s, Daiquiri Deck, and other local hotspots are all within walking distance. Enjoy incredible sunsets just moments from your front door along the Gulf shoreline. Offered fully furnished and beautifully appointed, this is a true plug and play investment ready for immediate use or continued rental.

Getting Around

64
WalkingSomewhat Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

10/10
6/10
Seminole Middle SchoolGrades 6-84.9 mi
4/10
Seminole High SchoolGrades 9-124.7 mi

Construction

Condition

  • Year built: 1947

Materials

  • Foundation: Crawlspace
  • Roof: Membrane,Metal
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Closet

Bedroom2

  • Features: Ceiling Fan(s),Built-in Closet
  • Level: Third

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Built-in Features,Ceiling Fan(s),Eating Space In Kitchen,Primary Bedroom Main Floor,Stone Counters,Thermostat,Vaulted Ceiling(s),Walk-In Closet(s)
  • Door features: Outdoor Shower
  • Window features: Shutters,Window Treatments,Hurricane Shutters,Hurricane Shutters/Windows
  • Flooring: Carpet,Hardwood

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,521
  • Total interior livable area: 1,404 sqft

Kitchen

  • Features: Breakfast Bar,Stone Counters
  • Level: First
  • Area: 78.75
  • Dimensions: 7.5x10.5

Living Room

  • Features: Ceiling Fan(s)
  • Level: Second
  • Area: 153
  • Dimensions: 9x17

Loft

  • Level: Second

Primary Bedroom

  • Features: Ceiling Fan(s),No Closet
  • Level: First
  • Area: 165
  • Dimensions: 11x15

Property

Details

  • Parcel number: 153115583200040170
  • Zoning: RES
  • Special condition: None

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Front Porch,Patio
  • Exterior features: Irrigation System,Outdoor Shower,Storage
  • Fencing: Vinyl
  • Has view: Yes
  • View description: Gulf/Ocean - Partial
  • Has water view: Yes
  • Water view: Gulf/Ocean - Partial

Lot

  • Lot size: 1,559 sqft
  • Features: FloodZone,City Lot,Near Public Transit
  • Lot size dimensions: 40 x 40

Parking

  • Parking features: Driveway,Guest,Parking Pad
  • Has uncovered spaces: Yes

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
    Coastal FloodingVery High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Pinellas County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $4,242$50,904
Home Insurance *$216$2,592
Property Taxes $1,342$16,104
Electricity $197$2,366
Total$5,997$71,964
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$205,611/yr
40% on housing$179,910/yr
45% on housing$159,920/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 11.7%
11.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$598This listing

vs Other Active Listings

Avg $/sqft

ZIP 33708$413
Pinellas County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 33708$395
Pinellas County$288

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

DateEventPrice
2026-05-12Price change$969,000
2026-05-02Listed for sale$995,000
2021-12-29Listing removed--
2021-12-18Listed for sale$1,275,000
2020-12-08Sold$525,000
2020-06-30Pending sale$575,000
2020-06-18Listed for sale$575,000
2019-11-02Listing removed$500,000
2019-10-28Price change$500,000
2019-09-24Price change$475,000
2019-09-17Listed for sale$450,000
2019-03-28Listing removed$560,000
2019-03-14Price change$560,000
2019-02-28Price change$575,000
2019-02-13Listed for sale$598,000

For Sale by Agent

AgentJohn Pestalozzi Jr LLC
BrokerageWESTWARD REAL ESTATE

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