2 bedroom Condominium at 399 150th Avenue #205, Madeira Cove Condo, Madeira Beach — photo 1Front elevation
19 days on market Condominium
$725,000
2-Bedroom Condo in MADEIRA COVE CONDO

399 150th Avenue #205, Madeira Beach, FL 33708

Condominium in MADEIRA COVE CONDO, MADEIRA BEACH · No CDD
MADEIRA COVE CONDO · Madeira Beach, FL 33708 · Pinellas
Listing data updated September 26, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,275Sq Ft
1999Year Built
$569Per Sq Ft
WaterfrontNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
33% above
$/sq ft vs community
$569 here vs $429 median sold (12 mo)
Buyer leverage
Seller-leaning
19 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~5 ft elevation
$2k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 4 of 4
Price vs recent sales
Asking $725k tops 4 of the last 4 closed sales

Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of September 26, 2026, 399 150Th Avenue #205 in Madeira Cove Condo, Madeira Beach is listed at $725,000 (1,275 sq ft, about $569 per sq ft). That is 30% above Madeira Cove Condo's median closed sale of $557,500 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $429/sq ft by about 33%. It has been 19 days on market, well inside the community's typical 178 days. Listing facts: built in 1999, waterfront, no HOA. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1999 · 27 yrs
  • 1,275 sq ft of living area
  • Listed at $725,000 — recent neighborhood median sale price ~$557,500 (nearby sales; deemed reliable, not an appraisal)
  • 19 days on market
  • HOA ~$50/mo (estimate; confirm)
Momentum Research · Madeira Cove Condo

Pricing & the Madeira Cove Condo market

How this home is priced against recent nearby sales, and where Madeira Cove Condo has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales399 150TH AVENUE #218399 150TH AVENUE #218: $400/sq ft$400399 150TH AVENUE #315399 150TH AVENUE #315: $426/sq ft$426399 150TH AVENUE #A203399 150TH AVENUE #A203: $432/sq ft$432399 150TH AVENUE #317399 150TH AVENUE #317: $493/sq ft$493This homeThis home: $569/sq ft$569Community median $429

Median $/sq ft by year

Community sold $/sq ft, 2015–2026. This home lists at $569/sq ft.

$210$331$4522015: $23420152016: $26020162022: $41420222026: $4292026

Median sale price by year

12-month median closed price, 2015–2026.

$294k$440k$586k2015: $322k20152016: $325k20162022: $538k20222026: $558k2026
Property timeline

This home’s history

  • 1999BuiltPer public record
  • Sep 5, 2026First trackedObserved at $725,000
  • NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Financing

Estimated monthly payment

$4,882/mo
  • Principal & interest $3,870/mo 79%
  • Taxes $634/mo 13%
  • Insurance $327/mo 7%
  • HOA $50/mo 1%

$4,882/mo at 20% down, 30-yr @ 7.03% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

31/100
Strongest on: Pricing power (82), Flood safety (45)
0 limited50100 exceptional

31/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area0
This home $569/sq ft vs the community 12-month median $429/sq ft.
Affordability0
List price $725,000 vs the community median $557,500. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~5 ft elevation. Verify the parcel with FEMA.
Insurance cost33
From FEMA Zone AE and a 1999 build. Obtain a property-specific quote.
Market liquidity24
Community median 178 days on market, ~6.0 months of supply (12-month record).
Renovation upside30
From a 1999 build and $569/sq ft vs the community median $429/sq ft. Not a condition assessment.
Pricing power82
Recent sales closed at about 91.5% of original asking (~8.5% below). More room below asking generally favors buyers.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟠 Seller-leaning conditions around this listing. 6.0 months of supply in the surrounding market and 19 days on market for this home, against a 178-day area median.Days on market:this home 19Area median:  178 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2013 through 2026. As of September 20, 2026.

🟡 Asking $569 per square foot, about 33% above the community’s $429 median. Madeira Cove Condo’s 12-month median sold price per square foot is $429. Confidence: Low · 4 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

Recent Madeira Cove Condo sales closed near 91.5% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 2 active listings in Madeira Cove Condo, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated September 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Welcome to exceptional waterfront living at Madeira Cove! This beautifully positioned second-level corner unit offers two bedrooms, two bathrooms, and a versatile den/office, with abundant natural light and panoramic views of Boca Ciega Bay. Step inside and be amazed by the nine foot ceiling heights and the impact-rated windows on three sides—including a distinctive bay window in the dining area which sets this residence apart from interior units.

The spacious open-concept living and dining area features durable flooring and flows seamlessly into the kitchen, which offers solid wood cabinetry, granite countertops, generous storage, a pantry, and a breakfast bar. New sliding glass doors open to an oversized covered balcony where you can dine alfresco, relax with a morning coffee, or watch dolphins, manatees, seabirds, and boats passing along the Intracoastal Waterway. The desirable split-bedroom floor plan provides privacy for both bedrooms.

The waterfront primary suite is designed to take full advantage of the scenery, with water views from the windows and sliding glass doors opening directly to the balcony. Electric hurricane shutters provide added peace of mind. The second bedroom has convenient private access to the guest bathroom.

A spacious den/office adds flexibility for working from home, guests, or hobbies and includes a full-sized stackable washer and dryer. The waterfront balcony has a hurricane screen for extra protection of the balcony. Madeira Cove offers an impressive array of amenities, including a heated waterfront pool, clubhouse with fitness room and kitchen, wraparound waterfront deck, picnic area, gas grills, kayak launch and storage, marina access, lending library, EV charging, and a car-washing station.

Private boat slips at the community dock may become available for purchase or rental. Assigned covered parking is conveniently located near the secured elevators, with additional guest parking and a storage closet adjacent to the parking space. The solid concrete-block building features secured elevator access, locked stairwells, and community surveillance.

Madeira Cove is a meticulously maintained, all-ages community that allows two small pets up to 25 pounds. The monthly maintenance fee includes water, sewer, trash, internet, cable, and building insurance. The association is fully funded with no pending assessments and the community complies with current state requirements.

Best of all, you can walk to the beach and you are just minutes from Madeira Beach, St. Pete Beach, Treasure Island, and the shops, restaurants, and water activities of John’s Pass. Whether you're looking for a year-round residence or a seasonal retreat, this exceptional waterfront condo offers a front-row seat to the beauty of Florida's waterways.

Come experience the views, lifestyle, and tranquility of Madeira Cove for yourself—schedule your private showing today!

Description provided by SUN SAND & SEA HOMES REALTY and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$725,000
Bed / bath2 / 2
Living area1,275 sq ft
Year built1999
Property typeCondominium
MLS #TB8545321
Listing status19 days on market

Public records & third-party data

FEMA flood zoneZone AE
Ground elevation~5 ft
Windstorm exposureLow
CountyPinellas
Area listings2 active · 0 under contract
Estimated first-year tax~$7,613/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$569
Estimated monthly payment$4,882
Insurance (illustrative)$2k–$6k/yr
Comparable-sales median$557,500

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of SUN SAND & SEA HOMES REALTY · Listing agent: Bobbie Kaplan · 727-391-9696Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$481,950the mess$612,000

Actual list price: $725,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a 1999 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
  • The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 19 days on market vs. a 178-day community median
  • 2 active listings competing
  • ≈6.0 months of supply
  • 4 closed here in the last 12 months

For reference, this home is listed at $725,000 ($569/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,275 sq ft × $378–$480/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 26, 2026.

Keep looking

Similar homes for sale near MADEIRA COVE CONDO

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Newest listings in MADEIRA BEACH

  • 506 Crystal Drive, MADEIRA BEACH · $3,395,000 · 5 bd / 4.5 ba · listed September 22, 2026 (courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL)
  • 14141 Gulf Boulevard #5, MADEIRA BEACH · $309,000 · 1 bd / 1.0 ba · listed September 22, 2026 (courtesy of HOMECOIN.COM)
  • 425 150th Avenue #2302, MADEIRA BEACH · $770,000 · 2 bd / 2.0 ba · listed September 19, 2026 (courtesy of RE/MAX ACTION FIRST OF FLORIDA)
  • 13000 Gulf Boulevard #211, MADEIRA BEACH · $825,000 · 2 bd / 1.5 ba · listed September 19, 2026 (courtesy of RE/MAX ACTION FIRST OF FLORIDA)
  • 15000 Gulf Boulevard #807, MADEIRA BEACH · $920,000 · 2 bd / 2.0 ba · listed September 19, 2026 (courtesy of ENGEL & VOLKERS BELLEAIR)
  • 13655 Gulf Boulevard #201, MADEIRA BEACH · $1,675,000 · 2 bd / 2.0 ba · listed September 18, 2026 (courtesy of CENTURY 21 BE3)

Recently off market in MADEIRA COVE CONDO

Transparency

Price & listing history

Listed for $725,000Momentum Realty · on market 19 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$7,613/yr

A rough first-year estimate only, applying a typical Pinellas rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$2k–$6k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone AE

From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.

Ground elevation
~5 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Seen enough photos?

Want to see 399 150TH AVENUE #205?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by SUN SAND & SEA HOMES REALTY · MLS # TB8545321

Request a showing

or call (904) 351-6461
Market data · public records

Recent sales activity in MADEIRA COVE CONDO

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the MADEIRA COVE CONDO neighborhood guide for more.

Comparable sales found
4

Recent nearby closings in the data set.

Community median sale price
$557,500

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$429

Canonical 12-month median $/sq ft. Reference only.

Go deeper on MADEIRA COVE CONDO

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

School zoningThis address is in the Pinellas County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

Community 12-month median: $429/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$3,323 – $4,833/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,650 – −$291At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

Items worth confirming for 399 150Th Avenue #205, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1999 (27 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
  • FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
  • Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
  • Listed living area is 1,275 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $7,613/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
  • Confirm school zoning directly with the district.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordStellar MLS, refreshed twice daily (last: September 26, 2026)
Community market statsStellar MLS closed sales, as of September 20, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone AE shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 399 150Th Avenue #205 and when was it built?

Per the listing record, 399 150Th Avenue #205 was built in 1999 and has 1,275 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 399 150Th Avenue #205 in?

399 150Th Avenue #205 is in Madeira Cove Condo in Madeira Beach, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Madeira Cove Condo from the same MLS data.

Does 399 150Th Avenue #205 have an HOA?

The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.

Why might property taxes on 399 150Th Avenue #205 differ from the current owner's?

The estimate on this page (about $7,613 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 399 150Th Avenue #205 in a flood zone?

The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 399 150TH AVENUE #205 in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.