$1,050,000
412 20th Avenue
Indian Rocks Beach, FL 33785
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
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
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
- Status: ActiveMar 9, 2026
- Listed$1,185,000Mar 9, 2026
- 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
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
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 13x14 |
| Living Room | First | 12x19 |
| Primary Bedroom | First | 10x11 |
| Bedroom 2 | First | 10x10 |
| Bonus Room | First | 10x11 |
| Florida Room | First | 11x12 |
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
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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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.
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