$109,900
4565 Duhme Road
St Petersburg, FL 33708
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
Welcome to your affordable slice of paradise in the heart of the St. Petersburg area! This charming 1-bedroom, 1-bath condo with bonus room overlooks a peaceful canal in a desirable 55+ community just minutes from Madeira Beach — offering the Florida beach lifestyle without the high beach price tag. Located in a prime Pinellas County location, this second-floor condo provides added privacy with no upstairs neighbors and beautiful water views filled with Florida wildlife. Bright and inviting, the home features a newer HVAC system, high-impact front window, covered carport with private storage, and a flexible bonus room perfect for a home office, guest space, hobby room, or extra storage. Enjoy maintenance-free Florida living with an HOA that includes: High-speed internet & cable TV Water, sewer & trash Exterior insurance & maintenance Grounds & lawn care Residents enjoy convenient on-site laundry facilities and an unbeatable location within walking distance to Publix, Dollar Tree, local restaurants, shopping, and entertainment. Perfectly positioned near: Madeira Beach Downtown St. Petersburg Treasure Island Gulf beaches Tampa International Airport Ideal for: Snowbirds Retirees Seasonal residents First-time Florida buyers Affordable vacation home seekers This affordable waterfront condo offers low-maintenance living, canal views, covered parking, and easy access to beaches, dining, boating, and everything the St. Pete coastal lifestyle has to offer. Don’t miss this opportunity to own a move-in-ready condo near Madeira Beach at an unbeatable value!
Local Insight
At $109,900 with a $576 monthly HOA in an AE flood zone, you're getting an affordable entry point, but factor in flood insurance costs—which could add $100-300+ monthly depending on the building's elevation and history. The 55+ restriction limits resale appeal to a narrower buyer pool, though the water view and established community amenities may offset that for retirees looking for stability over appreciation. For a 1-bed that's 57 years old, the real question is the condo's reserve fund status and whether the building has had recent flood damage claims, since that directly impacts insurance availability and future special assessments.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history147 days on market
- Status: ActiveJan 9, 2026
- Listed$132,500Jan 9, 2026
- Price reduced$109,900
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Condominium
- Status
- Active
- Days on market
- 147
- Subdivision
- Madrigal Apts Unit 1 Condo
- County
- Pinellas
- Year built
- 1967
- Living area
- 780 sq ft
- Price/sq ft
- $141
- Lot size
- 37,392 sq ft
- Lot category
- 1/2 to less than 1
- Flood zone
- AE (12103C0183H)
- Annual taxes
- $940 (2024)
- Parcel #
- 03-31-15-54378-000-2030
- MLS #
- TB8462545
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Interior Details
- Bedrooms
- 1
- Full bathrooms
- 1
- Flooring
- Vinyl
- Appliances
- Cooktop, Electric Water Heater, Microwave, Refrigerator
- Interior features
- Ceiling Fans(s)
- Laundry
- Common Area
- Stories / Levels
- One
- Direction faces
- West
Heating & Cooling
- Heating
- Electric
- Cooling
- Central Air
Parking
- Parking features
- Covered
- Carport
- Yes
HOA & Financial
- HOA fee
- $576 / Monthly
- Monthly HOA
- $576/mo
- Total monthly fees
- $576/mo
- Total annual fees
- $6,912
- HOA name
- Harbeck Hospitality
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1-2 Years
- Listing terms
- Cash, Conventional
- Ownership
- Condominium
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- BUYER TO VERIFY ALL INFORMATION THROUGH CONDO ASSOCIATION
- Approval process
- CONTACT: Lynn Rappa, 727-294-5651, madrigalcondoassoc@gmail.com
Exterior & Construction
- Exterior features
- Balcony, Lighting
- Construction materials
- Block
- Roof
- Built-Up
- Foundation
- Slab
- Water view
- Yes
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Connected, Public, Sewer Connected, Water Connected
Community
- Pets allowed
- No
- Senior community
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Second | |
| Living Room | Second | |
| Kitchen | Second | |
| Primary Bathroom | Second |
Listing Details
- Listing date
- 2026-01-09
- On market date
- 2026-01-09
- Original list price
- $132,500
- Occupant type
- Owner
- MLS area
- 33708 - St Pete/Madeira Bch/N Redington Bch/Shores
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-01-09
- Tax legal description
- MADRIGAL APTS UNIT 1 CONDO APT 203
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
On East side of Duhme Rd (Between Tom Stuart Causeway and 54th Ave N)
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of June 5, 2026 at 4:51 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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