$1,050,000

412 20th Avenue

Indian Rocks Beach, FL 33785

Active
2
Beds
1
Bath
1,092
Sq Ft
0.15
Acres
1952
Built
WaterfrontWater accessFireplace$962/sqft
🏠Single Family Residence

Property type

🏗️1952

Year built

📐6,482 sqft

Lot size

📊$962

Price / sq ft

🏘️No HOA

HOA dues

📅74

Days on market

🌊AE

Flood zone

About this home

Welcome to vacation with this adorable waterfront Indian Rocks Beach (IRB) Cottage! Clean 4point in hand. Nestled at the southern apex of coveted Dolphin Bay on the Intracoastal and just three blocks from the open Gulf. With 27 beach access points in Indian Rocks Beach, this property offers an exceptional opportunity to enjoy waterfront living in one of the area’s most beloved coastal communities. The updated home features two bedrooms, one full bathroom with plenty of room to add on. Thoughtfully maintained and recently refreshed with approximately $80,000 in improvements, the home blends comfortable living with the charm of classic Florida waterfront properties. Inside, the updated kitchen offers stainless steel appliances, subway tile backsplash, modern cabinetry, and a breakfast bar that opens to the living spaces, creating an easy flow for everyday living. The bathroom has been tastefully renovated with coastal-inspired finishes, while large windows throughout the home bring in natural light and highlight the beautiful water views beyond. A spacious waterfront sunroom quickly becomes the heart of the home, framed by expansive windows that showcase the Intracoastal and create a relaxing place to unwind while watching boats pass by and marine life surface. Outside, the property continues to shine with nearly 50 linear feet of seawall and a 47 foot dock extending out to approximately 7 feet of draft at median high tide. Moorings are already in place to accommodate sailboats and cruisers, making it easy to bring your deep water vessel and explore the waterways right from your backyard. Natural mangroves along the shoreline create a protected habitat that attracts abundant sea life including dolphin, manatee, sea birds, and world class inshore sport fish. Spend your days water skiing, tubing, paddle boarding, or simply enjoying peaceful sunrise views over the bay. From here, sunset cruises, waterfront dining, relaxing spoil islands, and the open Gulf are all just a short boat ride away. Indian Rocks Beach remains one of the Gulf Coast’s most cherished small beach towns, known for its welcoming atmosphere and community spirit. Local seafood restaurants, surf shops, parks, art center, community garden, baseball field, and shopping are all nearby, with golf cart friendly streets making it easy to get around. Festivals and events are held throughout the year, creating a vibrant coastal lifestyle. Convenient access to two international airports and professional sports venues for the Rays, Buccaneers, Rowdies, and Lightning adds to the appeal. Whether you choose to enjoy the existing home, renovate further, or design a future waterfront retreat, opportunities like this rarely come along. Welcome to Indian Rocks Beach.

Estimated monthly payment

Principal & interest$5,309
Property taxes$241
Home insurance (est.)$481

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 history74 days on market

  1. Status: Active
    Mar 9, 2026
  2. Listed$1,185,000
    Mar 9, 2026
  3. Price reduced$1,050,000

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
74
Subdivision
Indian Beach Re-Revised 7th Add
County
Pinellas
Year built
1952
Living area
1,092 sq ft
Price/sq ft
$962
Building area
1,618 sq ft (Public Records)
Lot size
6,482 sq ft
Lot category
0 to less than 1/4
Flood zone
AE (12103C0113H)
Annual taxes
$2,893 (2025)
Parcel #
06-30-15-42156-000-0080
MLS #
TB8483647

Interior Details

Bedrooms
2
Full bathrooms
1
Flooring
Terrazzo, Tile
Appliances
Dishwasher, Range, Refrigerator
Interior features
Ceiling Fans(s)
Laundry
Electric Dryer Hookup, Outside, Washer Hookup
Stories / Levels
One
Direction faces
South
Fireplace
Yes

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Parking features
Driveway
Carport
Yes

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Homestead exemption
Yes
Min lease term
No Minimum
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Other
Construction materials
Block, Stucco
Roof
Shingle
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Available, Public

Schools

ElementaryAnona Elementary-PNGreatSchools ↗
MiddleSeminole Middle-PNGreatSchools ↗
High SchoolLargo High-PNGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
KitchenFirst13x14
Living RoomFirst12x19
Primary BedroomFirst10x11
Bedroom 2First10x10
Bonus RoomFirst10x11
Florida RoomFirst11x12

Listing Details

Listing date
2026-03-09
On market date
2026-03-09
Original list price
$1,185,000
Occupant type
Owner
MLS area
33785 - Indian Rocks Bch/Belleair Bch/Indian Shores
Listing AOR
Suncoast Tampa
Status changed
2026-03-09
Tax legal description
INDIAN BEACH RE-REVISED 7TH ADD LOT 8

Flood risk

High riskFEMA Zone AEPanel 12103C0113H

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

From Gulf Blvd. Turn East onto 20th ave. Go three blocks past Bay Blvd. Home is on left before split.

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MLS GRID

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 May 22, 2026 at 9:02 AM 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.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA