208 BATES AVENUE, INDIAN ROCKS BEACH, FL, 33785
Active299 days on marketListed Oct 8, 2025MLS #TB8433818
About this home
208 BATES AVENUE
Beautifully elevated 3BR/2BA home in the heart of Indian Rocks Beach, just a short walk to the sand. This block-constructed property is zoned for short-term rentals, offering excellent income potential or a perfect personal retreat. Features include vaulted ceilings, open living space, wraparound balcony, and ample storage below. No HOA, flood-resilient design, and room to customize. Live the beach lifestyle or invest in a proven rental!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,724
Sqft
0.13 ac
Lot size
1979
Year built
Two
Levels
$682
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 — not generic estimates.
$8,144 /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
$8,144/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
+64.3%
$/sqft vs Indian Rocks Beach actives
$682 vs $616
Days on market
299 vs 66 typical
Where $682/sqft sits among the 88 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
$950K → $755K
Indian Rocks Beach median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
46 of 88
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 66% 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 208 BATES AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$640,000
307 BAHIA VISTA DRIVE · same community
2 bd · 1 ba · 1,236 sqft · $518/sqft · 8 DOM
Sold · Jan ’26$650,000
13829 KIMBERLY DRIVE
3 bd · 2 ba · 1,713 sqft · $379/sqft · 5 DOM
Sold · Aug ’25$545,000
14530 APACHE AVENUE
3 bd · 2 ba · 1,711 sqft · $319/sqft · 39 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 208 BATES AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 208 BATES 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
208 BATES AVENUE FAQs
What would the monthly payment be for 208 BATES AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,144/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 208 BATES AVENUE?+
The most recent tax bill on record (2024) was $14,442. 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 $1,175,000, this home is listed about 57% 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 208 BATES 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
$1,175,000 runs 66% above the INDIAN ROCKS BEACH 33785 median — but at 1,724 sqft it's also 50% larger than the typical Indian Rocks Beach listing.
02Time on market is leverage
299 days on market against a Indian Rocks Beach median of 66 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,250,000, now $1,175,000 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA CENTRAL · John Morgan. MLS #TB8433818.
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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