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10132 Grand Oak Cir, Madeira Beach, FL, 33708

$268/sqft·Cove At Bay Pines

4 bd3 ba2,217 sqft2 car garageSingle Family
Listed by BRIGHT REALTY GROUP LLC· Last updated · MLS# TB8533311

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Est. monthly payment
$4,249/mo
Down payment (20%)
$119,000
Property taxes
$709/mo
HOA
$140/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2016
2 car garage
3,755 sqft lot
Lot size
2,217 sqft
Living area

About this home

Ceiling Fans(s)Open FloorplanWalk-in Closet(s)LightingGated Community - No GuardElectric Water HeaterRangeRange Hood

10132 Grand Oak Cir is a 2016-built home in Cove At Bay Pines, Madeira Beach. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,217 square feet of living space. Listed at $595,000 (about $268/sqft), 32 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $140 monthly.

From the listing

Virtually Staged. WELCOME HOME! This masterfully appointed, meticulously maintained two story contemporary style home boasts 4 bedrooms, 3 full bathrooms with approximately 2,200 sq. ft of indoor living space. Enjoy what this Madeira Beach has to offer with its gorgeous sand beaches in this picturesque area of St. Petersburg. This home, situated in a private gated community offers an open floor plan with an amazing gourmet kitchen with cream colored solid wood cabinets, granite counter tops, and stainless-steel appliances included. The owners retreat boasts large walk-in closets, and stunning owners’ bathroom, with dual sinks with stone counter tops. There are tons of upgrades throughout this home perfect for entertaining guests. This home is also loaded with upgrades from ceramic tile flooring, and plenty of extra windows bring in the natural light during the day. Easy access to many great local restaurants, stores, beaches, and the beautiful downtown St. Petersburg.

The essentials

Built
2016
Price / sqft
$268
On market
49 days
Annual tax
$8,503
HOA
$140/mo
Flood zone
X500 · Low risk
Lot
3,755 sqft
Type
Single Family Residence

Location

10132 Grand Oak Cir
Madeira Beach, FL, 33708·33708 - St Pete/Madeira Bch/N Redington Bch/Shores
Type
Single Family Residence
Year Built
2016
Lot
3,755 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
49
Ceiling Fans(s)
Open Floorplan
Walk-in Closet(s)
Lighting
Gated Community - No Guard
Electric Water Heater
Range
Range Hood
Refrigerator

Elementary

Orange Grove Elementary-PN

Middle

Osceola Middle-PN

High

Seminole High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X500

Annual Tax (2025)

$8,503

Parcel #

03-31-15-18729-000-0490

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Cove At Bay Pines

County

Pinellas

MLS Area

33708 - St Pete/Madeira Bch/N Redington Bch/Shores

Lot Size

3,755 sqft

HOA
$140/mo
MCN GROUP
Date
Event
Price
8/28/2026
Price change
Source: Stellar MLS #TB8533311
$595,000-2.5%
$268/sqft
7/27/2026
Listed for sale
Source: Stellar MLS #TB8533311
$610,000
$275/sqft
Est. monthly payment$4,249/mo
Principal & interest$3,103
Property taxes$709
Insurance$298
HOA$140
Down payment20% · $119,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

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List price: $595,000
$570,000 – $595,000
95.8% – 100% of listTops out right at the list price
80% of listList price
55 of the last 108 home closings in 33708 landed at this number or higher (51%). The median one sat 70 days before it went under contract, and this one is on day 49 after a $15,000 cut.

Sample: 108 closed home sales in 33708 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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