18650 GULF BOULEVARD UNIT 203, INDIAN SHORES, FL, 33785
Active453 days on marketListed May 13, 2025MLS #TB8382145
About this home
18650 GULF BOULEVARD UNIT 203
CALLING ALL BUYERS - AMAZING LOCATION AND PRICE FOR BEACHFRONT LIVING! All major maintenance at Gulf Shores is COMPLETE, the association is FULLY FUNDED, and there are no outstanding assessments on this unit—a rare opportunity for STRESS FREE BEACHFRONT OWNERSHIP. This community is in the BEST CONDITION it has been in years, and the LOW $765 MONTHLY FEE makes it one of the MOST AFFORDABLE Gulf front options on the market. Monthly fees cover water, sewer, trash, basic cable, Wi Fi, exterior insurance, and building maintenance Step into this beautifully UPDATED AND FULLY FURNISHED 2-bedroom, 2-bath condo and enjoy UNOBSTRUCTED GULF VIEWS from your private balcony. The interior features quartz countertops, luxury vinyl flooring, a modern coastal design, 2023 HURRICANE-RATED WINDOWS AND SLIDERS, 2023 A/C, and an IN UNIT 2023 washer/dryer. Gulf Shores offers a heated pool, clubhouse, guest parking, elevators, private storage, and direct beach access. 30 day minimum rentals allow for flexible use—ideal for seasonal living or investment. Perfectly positioned between the Gulf and the Intracoastal, across from the county BOAT RAMP and close to dining, shopping, airports, and local attractions, this condo delivers EXCEPTIONAL VALUE in a prime beachfront location. Days on market reflect the structural, hurricane-related, Milestone, and SIRS work required for many beachfront communities—ALL WORK AT GULF SHORES IS NOW COMPLETE, so it is a great time to become an owner. Milestone Report, SIRS, and financials available upon request.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
990
Sqft
0.48 ac
Lot size
1974
Year built
One
Levels
$631
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.
$5,215 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,215/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−5.7%
$/sqft vs Indian Shores actives
$631 vs $557
Days on market
453 vs 90 typical
Where $631/sqft sits among the 86 Indian Shores 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 Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Indian Shores. See the full Indian Shores guide →
INDIAN SHORES 33785 — neighborhood snapshot
Population
4,871
Median age
58.1
Median income
$98,750
Median home value
$689,500
Avg household
1.94
Households w/ children
193
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 Shores market
$535K → $655K
Indian Shores median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
40 of 86
Indian Shores actives have cut their price
Median sold price, Indian Shores, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the INDIAN SHORES 33785 median. See the full Indian Shores market guide →
Paper trail
This home's history
Reality check
What actually sold near 18650 GULF BOULEVARD UNIT 203
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$670,000
18650 GULF BOULEVARD UNIT 601 · same community
2 bd · 2 ba · 1,140 sqft · $588/sqft · 361 DOM
Sold · Dec ’25$735,000
17735 1ST STREET E
2 bd · 1.5 ba · 988 sqft · $744/sqft · 73 DOM
Sold · May ’26$313,500
17400 GULF BOULEVARD UNIT H-2
1 bd · 2 ba · 930 sqft · $337/sqft · 36 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 18650 GULF BOULEVARD UNIT 203 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18650 GULF BOULEVARD UNIT 203 — 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
18650 GULF BOULEVARD UNIT 203 FAQs
What would the monthly payment be for 18650 GULF BOULEVARD UNIT 203?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,215/mo — principal and interest, the actual property-tax bill, the $765/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 18650 GULF BOULEVARD UNIT 203?+
The association fee works out to $765 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18650 GULF BOULEVARD UNIT 203?+
The most recent tax bill on record (2024) was $8,200. 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 18650 GULF BOULEVARD UNIT 203?+
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 Shores?+
At $625,000, this home is listed about 6% below the Indian Shores median of $664,500. The market section on this page shows how the area is trending.
Which schools are assigned to 18650 GULF BOULEVARD UNIT 203?+
Seminole Middle School (middle), Bauder Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (high) — 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 SHORES 33785 market on paper
$625,000 is 14% below the INDIAN SHORES 33785 median of $725,000, and at $631/sqft it sits under the Indian Shores average of $683.
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 $765/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
453 days on market against a Indian Shores median of 90 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Seminole Middle School, Bauder Elementary School, Richard O Jacobson Technical High School At Seminole — Bauder Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of PLUMLEE GULF BEACH REALTY · Betsy Sheffield. MLS #TB8382145.
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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