512 20TH AVENUE, INDIAN ROCKS BEACH, FL, 33785
Active371 days on marketListed Jul 28, 2025MLS #TB8411456
About this home
512 20TH AVENUE
Oversized WATERFRONT lot. Indian Rocks Beach Lot 21 and 22 on Direct Intracoastal. BUILD YOUR DREAM HOME. Over 100 foot of New Seawall in 2021. Has New Dock with 2 Lifts, 10,000 lb lift for your Boat and 6,000 lb lift for Wave runner. Plummed for water and electric. 2 car Garage on property can be incorporated into your building plans or removed. Encompasses both double driveways.
Facts & features
The home at a glance
0.25 ac
Lot size
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 — not generic estimates.
$13,537 /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
$13,537/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.
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
$950K → $755K
Indian Rocks Beach median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
Median sold price, Indian Rocks Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 209% above 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 512 20TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$939,026
501 20TH AVENUE · same community
2 bd · 2 ba · 1,342 sqft · $700/sqft · 3 DOM
Sold · Dec ’25$783,000
521 20TH AVENUE · same community
2 bd · 2 ba · 1,460 sqft · $536/sqft · 4 DOM
Sold · Feb ’26$1,130,000
500 20TH AVENUE · same community
2 bd · 2 ba · 1,551 sqft · $729/sqft · 227 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 512 20TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 512 20TH AVENUE — 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
512 20TH AVENUE FAQs
What would the monthly payment be for 512 20TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,537/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 512 20TH AVENUE?+
The most recent tax bill on record (2023) was $8,935. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Indian Rocks Beach?+
At $2,189,000, this home is listed about 192% above the Indian Rocks Beach median of $749,000. The market section on this page shows how the area is trending.
Which schools are assigned to 512 20TH AVENUE?+
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
Four things that matter here
01Positioned at the premium end
$2,189,000 runs 209% above the INDIAN ROCKS BEACH 33785 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
371 days on market against a Indian Rocks Beach median of 66 — sellers in this position are usually ready to negotiate.
04Strong 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 FLORIDA ACTION REALTY · Diane Hamilton. MLS #TB8411456.
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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