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Built in 2022, this impeccably maintained 4-bedroom, 2. 5-bath luxury condo offers a rare opportunity to own a modern, low-maintenance waterfront residence in the heart of Madeira Beach Town Center, one of the area’s premier coastal redevelopments. Designed for both upscale personal use and high-performing short-term rentals, this top-floor residence combines contemporary elegance with exceptional income potential, thanks to flexible 2 week minimum rental allowances in one of the few buildings on the Gulf Beaches to permit them. High ceilings, stylish pendant lighting, and neutral wood-grain luxury vinyl flooring create a bright, refined interior, while the open-concept layout flows seamlessly for entertaining and everyday living. The gourmet kitchen is a standout, featuring solid wood 54-inch underlit white cabinetry, a sleek subway tile backsplash, high-end Bosch stainless steel appliances, and a large Cambria quartz island with breakfast bar and built-in wine refrigerator, making it ideal for hosting guests or maximizing rental appeal.
Oversized hurricane-impact sliding glass doors flood the living area with natural light and open to a private balcony with picturesque sunset and harbor views. The primary suite serves as a tranquil retreat, accessed through a modern barn door and offering oversized windows with wood shade shutters, private balcony access, and a spacious walk-in closet. The spa-inspired en-suite bath features quartz countertops, dual sinks with a seated vanity, built-in shelving, a private water closet, and a seamless glass walk-in shower with multiple showerheads and an overhead rain feature. A desirable split-bedroom layout provides privacy for guests, with three additional well-appointed bedrooms and a second full bath finished with quartz counters and a tub-shower combination. An in-unit washer and dryer add everyday convenience.
This luxury condo is perfectly positioned steps from a waterfront recreation park, as well as Madeira Beach City Hall, the post office, and library, and just minutes from the vibrant dining, shopping, and entertainment scene at John’s Pass Village and Boardwalk. Investors will appreciate that the building is one of the few in Madeira Beach allowing short-term rentals with a 14 day minimum, offering strong biweekly rental income potential upon request. Owners also enjoy two assigned under-building parking spaces, private storage, gated garage entry, and secure key-fob lobby access. Resort-style amenities include a heated waterfront pool and hot tub overlooking the harbor. With its unbeatable walkable location, newer construction, flexible rental policy, pet-friendly environment with no weight restrictions, and lock-and-leave convenience, this Madeira Beach condo delivers an exceptional opportunity for buyers seeking a high-ROI waterfront investment or a refined coastal retreat.
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
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Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $799,920 | $799,920 | $799,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.250% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.362% | 6.385% | 6.223% |
| Monthly Tax Payment | $1,058 | $1,058 | $1,058 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $4,796 | $4,925 | $6,750 |
| Total Monthly Payment | $5,946 | $6,075 | $7,900 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.