Waterfront Homes for Sale in Madeira Beach, FL

This page tracks every Madeira Beach listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.

71 waterfront homes are for sale or pending in Madeira Beach, FL today across 37 communities. The median asking price is $849,000, from $115,000 to $3,500,000. Most listings right now: Madeira Beach Yacht Club Condo (7), Crystal Island 2Nd Add (4), Crystal Island (4). Updated September 8, 2026 from the MLS.

Madeira Beach waterfront homes by community

Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.

Community	Waterfront Homes	New build	Median list	From
Madeira Beach Yacht Club Condo	7	0	$395,000	$325,000
Crystal Island 2Nd Add	4	0	$2,547,000	$1,150,000
Crystal Island	4	0	$1,147,000	$885,000
Surfside Tower Condo	4	0	$699,950	$644,900
Gulf Shores 2Nd Add	3	3	$2,729,000	$2,725,000
Bay Point Estates 2Nd Add	3	1	$1,790,000	$994,900
Madeira Shores 1St Add	3	0	$999,800	$799,000
Snug Harbour Condo	3	0	$749,900	$685,000
Sandy Shores Condo	3	0	$659,000	$600,000
Surfside South Condo	3	0	$634,900	$625,000
Gulf Shores 3Rd Add Rep	2	0	$2,895,000	$2,290,000
Sereno Condo	2	0	$2,675,000	$2,350,000
Madeira Towers Condo	2	0	$1,217,650	$975,000
The Residences At Town Center	2	2	$999,490	$999,490
Ocean Sands Two Condo	2	0	$927,500	$925,000
Madeira Cove Condo	2	0	$695,000	$665,000
Gulf Shores 6Th Add	1	0	$2,500,000	$2,500,000
Gulf Shores 1St Add	1	0	$1,350,000	$1,350,000
Residences At Town Center Condo	1	0	$1,270,000	$1,270,000
Ocean Sands One Condo	1	0	$1,150,000	$1,150,000
Pages Rep Of Mitchells Beach	1	0	$1,100,000	$1,100,000
Island Estates Unit 1 Sec A	1	0	$929,000	$929,000
Kima Condo	1	0	$900,000	$900,000
Madeira Vista Condo	1	0	$874,900	$874,900
Crystal Island 1St Add	1	0	$849,000	$849,000
Madeira Bay Twnhms Condo	1	0	$788,800	$788,800
Chambre The Condo	1	0	$750,000	$750,000
Lone Palm Beach 5Th Add	1	0	$685,000	$685,000
Crimson On The Gulf Condo	1	0	$665,000	$665,000
Sea Breeze Of Madeira Condo	1	0	$659,000	$659,000
Harbor At Town Center Condo	1	0	$649,000	$649,000
Boca Vista Condo	1	0	$550,000	$550,000
Collwood The Condo	1	0	$548,500	$548,500
Boca Vista Condominum	1	0	$539,999	$539,999
Madeira Bay Resort Ii Condo	1	0	$487,500	$487,500
Boca Ciega Point East	1	0	$465,000	$465,000
Madrigal Apts Unit 1 Condo	1	0	$115,000	$115,000

What waterfront ownership really costs

Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.

Questions to ask about any waterfront listing

Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.

Common questions

How many waterfront homes are for sale in Madeira Beach?

As of September 8, 2026, 71 Madeira Beach, FL listings whose MLS record reports waterfront are active or pending, across 37 communities. The count updates with every MLS refresh.

What do waterfront homes cost in Madeira Beach?

The median asking price today is $849,000, with listings from $115,000 to $3,500,000.

Which Madeira Beach community has the most waterfront homes for sale?

Madeira Beach Yacht Club Condo has the most right now (7), followed by Crystal Island 2Nd Add (4), Crystal Island (4), Surfside Tower Condo (4).

Is a waterfront home always in a flood zone?

Not always, but most direct-frontage parcels are in a FEMA special flood hazard area, which means a lender will require flood insurance. The elevation certificate and the exact zone for the parcel decide the premium; two homes on the same canal can differ by thousands a year.

Keep exploring Madeira Beach

Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Madeira Beach, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.

Listings courtesy of Stellar MLS as distributed by MLS GRID.