615 GARLAND CIRCLE, INDIAN ROCKS BEACH, FL, 33785
Active486 days on marketListed Apr 1, 2025MLS #TB8366006
About this home
615 GARLAND CIRCLE
One or more photo(s) has been virtually staged. Motivated seller! Beach lovers paradise. Welcome to the perfect home in the heart of the most desired Indian Rocks beach. Perfect location, size and move in condition. (some rooms maybe virtually stage) A spacious 3 bedrooms/2 baths TOWNHOME (exempt from the new FL condo laws) in the Curlew landings south community. An ELEVATED, beautiful three-story townhome in the heart of Indian Rocks Beach offers the perfect blend of coastal charm and modern comfort. Just a short walk to the pristine shoreline, Restaurants, Dog parks, pickleball and Basketball courts.This home is nestled in a quiet, well-maintained community, providing a serene escape while keeping you close to everything Florida’s Gulf Coast has to offer. Indian Rocks Beach is a charming beach town with a sugary white sandy beach and is golf cart and bike friendly Step inside to find a bright, airy living space filled with natural light, complemented by neutral tones that enhance the coastal vibe. The open-concept layout is perfect for relaxing or entertaining, while multiple balconies invite you to enjoy the gentle sea breeze. With spacious THREE bedrooms ( two with walk-in closets) clean finishes, and plenty of storage, this townhome is ideal for full-time living, a vacation getaway, or an investment property. Experience the best of beach living in a clean, peaceful, and welcoming neighborhood. Townhome has a large 2 car tandem garage with extra storage leading to a quiet garden facing back patio. Some water intrusion into the garage during September 2024 storms. Repairs have been completed and a new garage door is in place and a front door has been replaced. Brand new roof and skylights in March 2026. All balconies are being replaced by the association and assessment paid in full. No further assessments are expected and HOA fees are staying the same for 2026. The best priced multi-level 3/2 unit on the barrier islands. This unit is vacant and is ready for the new owner/s to start enjoying immediately, or to put their touches on it and make it their beach paradise. Don’t miss this rare opportunity—schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,566
Sqft
0.03 ac
Lot size
2
Garage
1994
Year built
Three Or More
Levels
$287
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,424 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,424/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−24.3%
$/sqft vs Indian Rocks Beach actives
$287 vs $616
Days on market
486 vs 48 typical
Where $287/sqft sits among the 90 Indian Rocks Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Indian Rocks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Indian Rocks Beach. See the full Indian Rocks Beach guide →
Indian Rocks — neighborhood snapshot
Population
3,655
Median age
59
Median income
$104,994
Median home value
$687,925
Avg household
2
Households w/ children
160
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Indian Rocks Beach market
$953K → $781K
Indian Rocks Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
46 of 90
Indian Rocks Beach actives have cut their price
Median sold price, Indian Rocks Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% below the INDIAN ROCKS BEACH 33785 median. See the full Indian Rocks Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 615 GARLAND CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$680,000
641 GARLAND CIRCLE · same community
3 bd · 2 ba · 1,566 sqft · $434/sqft · 97 DOM
Sold · Apr ’26$410,000
616 GARLAND CIRCLE · same community
2 bd · 2 ba · 1,465 sqft · $280/sqft · 261 DOM
Sold · Nov ’25$542,000
657 GARLAND CIRCLE · same community
2 bd · 2 ba · 1,465 sqft · $370/sqft · 269 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 615 GARLAND CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 615 GARLAND CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
615 GARLAND CIRCLE FAQs
What would the monthly payment be for 615 GARLAND CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,424/mo — principal and interest, the actual property-tax bill, the $898/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 615 GARLAND CIRCLE?+
The association fee works out to $898 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 615 GARLAND CIRCLE?+
The most recent tax bill on record (2024) was $6,289. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 615 GARLAND CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Indian Rocks Beach?+
At $449,000, this home is listed about 37% below the Indian Rocks Beach median of $712,000. The market section on this page shows how the area is trending.
Which schools are assigned to 615 GARLAND CIRCLE?+
Anona Elementary School (elementary), Largo High School (high), Seminole Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the INDIAN ROCKS BEACH 33785 market on paper
$449,000 is 35% below the INDIAN ROCKS BEACH 33785 median of $689,450, and at $287/sqft it sits under the Indian Rocks Beach average of $633.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $898/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
486 days on market against a Indian Rocks Beach median of 48 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Salma Abdelaal. MLS #TB8366006.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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