15305 HARBOR DRIVE, MADEIRA BEACH, FL, 33708
Active455 days on marketListed Apr 25, 2025MLS #A4649691
About this home
15305 HARBOR DRIVE
Exceptional Waterfront Opportunity on the Intracoastal Waterway! Don't miss this rare chance to own prime waterfront property with direct Gulf access. Positioned along the scenic Intracoastal Waterway, this parcel features a newer seawall and a private composite dock—perfect for boating, jet skiing, paddleboarding, kayaking, fishing, and embracing the full coastal lifestyle. The existing structure sustained significant hurricane damage and has not been remediated; the property is being sold for land value only, offering a blank canvas for you to design and build your custom waterfront oasis. Ideally located within walking distance to world-class beaches, top-rated dining, boutique shopping, and vibrant local entertainment. Whether you're envisioning a serene retreat or a luxurious showpiece, this is your opportunity to create your dream home in one of the area’s most desirable locations. Schedule your showing today and bring your vision to life.
Facts & features
The home at a glance
0.14 ac
Lot size
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.
$4,674 /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
$4,674/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.
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)
Median sold price, Madeira Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 46% 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 15305 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 · Oct ’25$300,000
13123 4TH STREET E
2 bd · 1 ba · 681 sqft · $441/sqft · 93 DOM
Sold · Apr ’26$610,000
13500 GULF BOULEVARD UNIT 505
1 bd · 1 ba · 710 sqft · $859/sqft · 376 DOM
Sold · Oct ’25$499,999
13235 GULF BOULEVARD UNIT 303
2 bd · 2 ba · 734 sqft · $681/sqft · 72 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 15305 HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15305 HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
15305 HARBOR DRIVE FAQs
What would the monthly payment be for 15305 HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,674/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 15305 HARBOR DRIVE?+
The most recent tax bill on record (2024) was $3,958. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Madeira Beach?+
At $725,000, this home is listed about 9% 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 15305 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
$725,000 runs 46% above the MADEIRA BEACH 33708 median.
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
455 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 $775,000, now $725,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXIT KING REALTY · Alysa Casorla. MLS #A4649691.
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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