$970,000
412 20th AvenueIndian Rocks Beach, FL 33785
Listing updated: November 5, 2026 at 4:53 PM ET
Listing courtesy of Coldwell Banker Realty · Tricia Priest · MLS #TB8562669 · Active · 727-581-9411Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
Charming Waterfront Cottage with Expansive Bay Views in Indian Rocks Beach! Discover the charm of coastal living in this delightful waterfront cottage nestled in this sought-after seaside community. Set along a wide, north-facing bay, this special property offers beautiful, open-water views and a wonderful sense of privacy. The original home has been thoughtfully refreshed, preserving its cottage character while offering inviting spaces to enjoy the waterfront setting. Featuring two bedrooms and one bath, the home captures the water views from the main living area, dining room, and Florida room, bringing the beauty of the bay into everyday living. Step outside to a spacious, private backyard, fenced on both sides and offering plenty of room to create your own tropical retreat, add a pool, or simply relax and enjoy the coastal breeze. Whether you're looking for a charming waterfront getaway, a full-time coastal residence, or a property to make your own, this is a wonderful opportunity to enjoy the laid-back lifestyle of Indian Rocks Beach. A charming cottage, beautiful bay views, and endless possibilities!
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 history0 days on market
- Status: ActiveNov 5, 2026
- Listed$970,000Nov 5, 2026
Property Documents
Documents the listing agent has made public for this property. Free to view and download.
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 0
- Subdivision
- Indian Beach Re-Revised 7th Add
- County
- Pinellas
- Year built
- 1952
- Living area
- 1,092 sq ft
- Price/sq ft
- $888
- 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 #
- TB8562669
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 1
- Flooring
- Terrazzo, Tile
- Appliances
- Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Beamed Ceilings, Ceiling Fans(s), Eat-in Kitchen, Primary Bedroom Main Floor, Thermostat, Window Treatments
- Laundry
- Laundry Closet, Outside
- Stories / Levels
- One
- Direction faces
- South
- Fireplace
- Yes
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 0
- Attached garage
- No
- Parking features
- Curb Parking, Golf Cart Parking, Ground Level, Off Street
- Carport
- Yes
HOA & Financial
- Total monthly fees
- None
- Total annual fees
- None
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Please check with the City of Indian Rocks Beach for short term rental ordinances.
Exterior & Construction
- Exterior features
- Outdoor Shower, Storage
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Public, Sewer Connected, Water Connected
Community
- Pets allowed
- Yes
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 | |
| Living Room | First | |
| Primary Bedroom | First | |
| Bedroom 2 | First |
Listing Details
- Listing date
- 2026-11-05
- On market date
- 2026-11-05
- Original list price
- $970,000
- Occupant type
- Owner
- MLS area
- 33785 - Indian Rocks Bch/Belleair Bch/Indian Shores
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-11-05
- 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 the Belleair Bridge, go South on Gulf Blvd to 20th Ave, turn left to the address on your right. Welcome Home!
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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 November 5, 2026 at 4:53 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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