833 E GULF BOULEVARD UNIT 103, INDIAN ROCKS BEACH, FL, 33785
Active63 days on marketListed May 23, 2026MLS #TB8428059
About this home
833 E GULF BOULEVARD UNIT 103
Virtually Staged. Completely remodeled waterfront townhome with private boat slip just moments from the beach — now featuring an incredible Assumable Regions Bank Loan at just 3.375 with an approximate balance of $190,000! In today’s market, assuming this low-interest loan could potentially save a buyer hundreds of dollars per month and tens of thousands of dollars over the life of the loan compared to current interest rates. This beautifully updated 2BR, 1.5BA residence offers the perfect blend of coastal lifestyle, boating convenience, and modern upgrades in one of the most desirable locations near Indian Rocks Beach. Everything has been newly renovated and move-in ready, including: • Brand-new flooring • Fresh interior paint • New appliances • Electronic window coverings • Complete new AC system • New water heater • New washer and dryer • New kitchen cabinetry & quartz counters • Renovated lower-level spaces The home also features newer hurricane-impact windows and doors for added protection, efficiency, and peace of mind. The only area left for your personal touch is the primary bathroom—offering an opportunity to customize and add even more value. Located in a charming pet-friendly waterfront community of only 13 units, this townhome includes direct Intracoastal access and your own private boat slip right in your backyard. Spend your days boating, fishing, paddleboarding, or simply relaxing on the waterfront patio while enjoying the coastal breeze. Just a short walk to beach access, local restaurants, parks, playgrounds, and a dog-friendly park for your furry companion, this location is ideal for full-time living, a vacation retreat, or a high-demand investment property. Rarely does a fully remodeled waterfront property with boating access, beach proximity, and an assumable low-interest loan opportunity become available at this price point. Live the Florida boating and beach lifestyle you’ve been dreaming about — schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,200
Sqft
0 ac
Lot size
1
Garage
1973
Year built
Two
Levels
$478
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.
$4,861 /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
$4,861/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.
$/sqft vs Indian Rocks Beach actives
$478 vs $594
Days on market
63 vs 48 typical
Where $478/sqft sits among the 92 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)
48 of 92
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 18% 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 833 E GULF BOULEVARD UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$585,000
825 E GULF BOULEVARD UNIT 110 · same community
3 bd · 2.5 ba · 1,616 sqft · $362/sqft · 34 DOM
Sold · Sep ’25$325,000
11440 HARBOR WAY UNIT 5009
2 bd · 2 ba · 1,200 sqft · $271/sqft · 67 DOM
Sold · Jul ’26$240,000
11450 HARBOR WAY UNIT 5002
2 bd · 2 ba · 1,200 sqft · $200/sqft · 149 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 833 E GULF BOULEVARD UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 833 E GULF BOULEVARD UNIT 103 — 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
833 E GULF BOULEVARD UNIT 103 FAQs
What would the monthly payment be for 833 E GULF BOULEVARD UNIT 103?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,861/mo — principal and interest, the actual property-tax bill, the $736/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 833 E GULF BOULEVARD UNIT 103?+
The association fee works out to $736 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 833 E GULF BOULEVARD UNIT 103?+
The most recent tax bill on record (2024) was $7,831. 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 833 E GULF BOULEVARD UNIT 103?+
The listing reports pets: Cats OK, Dogs OK. 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 $574,000, this home is listed about 19% 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 833 E GULF BOULEVARD UNIT 103?+
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
$574,000 is 18% below the INDIAN ROCKS BEACH 33785 median of $699,900, and at $478/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 $736/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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.
05The price has already moved
Listed at $599,000, now $574,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Bryan Manly. MLS #TB8428059.
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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