14023 PALM STREET, MADEIRA BEACH, FL, 33708
Active1 days on marketListed Aug 10, 2026MLS #TB8536501
About this home
14023 PALM STREET
Coastal living just steps from the beach and warm Gulf waters! Welcome to 14023 Palm Street, a charming 3-bedroom, 2-bath Madeira Beach cottage offering approximately 1,139 square feet of living space in an exceptional beachside location. Just a short walk from the sugar-sand shores of Madeira Beach, this home combines classic Florida character with flexibility for a primary residence, vacation getaway, or investment property. Inside, vaulted exposed-beam ceilings add architectural character and an airy coastal feel to the living spaces. The functional floor plan includes a comfortable living room, dedicated dining area, kitchen with ample cabinetry and counter space, and a separate wet bar ideal for entertaining. Three bedrooms and two full baths provide plenty of flexibility for guests, a home office, or extended stays. Step outside to a private backyard surrounded by tropical landscaping with space for outdoor dining, grilling, and relaxing after a day at the beach. A covered carport and generous driveway provide convenient off-street parking. Best of all, the beach is just across Gulf Boulevard, putting relaxation and unforgettable sunsets within easy reach. John's Pass Village & Boardwalk, waterfront dining, shopping, boating, and entertainment are also just minutes away. For those considering rental income, the property allows a minimum 3-month rental period, offering investment potential without the restrictions of an HOA. A rare opportunity to enjoy the Madeira Beach lifestyle with the beach practically at your doorstep.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,139
Sqft
0.11 ac
Lot size
1955
Year built
One
Levels
$483
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.
$3,718 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,718/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+34.1%
$/sqft vs Madeira Beach actives
$483 vs $605
Days on market
1 vs 106 typical
Where $483/sqft sits among the 109 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 → $501K
Madeira Beach median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
51 of 109
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 22% 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 14023 PALM STREET
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$427,500
14033 PALM STREET · same community
3 bd · 3 ba · 1,357 sqft · $315/sqft · 33 DOM
Sold · Apr ’26$2,891,700
14048 GULF BOULEVARD UNIT 502 · same community
2 bd · 3 ba · 1,791 sqft · $1,615/sqft · 0 DOM
Sold · May ’26$2,799,000
14048 GULF BOULEVARD UNIT 401 · same community
2 bd · 3 ba · 2,330 sqft · $1,201/sqft · 448 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
Arthur Middleton
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 14023 PALM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14023 PALM STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Arthur's phone and CRM.
Straight answers
14023 PALM STREET FAQs
What would the monthly payment be for 14023 PALM STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,718/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 14023 PALM STREET?+
The most recent tax bill on record (2025) was $929. 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 $550,000, this home is listed about 23% below the Madeira Beach median of $712,000. The market section on this page shows how the area is trending.
Which schools are assigned to 14023 PALM STREET?+
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
Three things that matter here
01Positioned at the premium end
$550,000 runs 22% above the MADEIRA BEACH 33708 median.
02Fresh on the market
Only 1 day on market in a Madeira Beach market that averages 106 — if it fits, move quickly.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS MADEIRA BEACH · Michael Wyckoff. MLS #TB8536501.
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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