370 12TH AVENUE, INDIAN ROCKS BEACH, FL, 33785
Active266 days on marketListed Nov 9, 2025MLS #TB8446554
About this home
370 12TH AVENUE
Build your coastal dream home with two prime construction-ready lots now available! Side-by-side waterfront build opportunities – buy one or both. Rare offering of two adjacent construction-ready lots. Near the Gulf of Mexico and Indian Rocks Beach’s finest dining and entertainment. In a desirable short-term rental–friendly community, ideal for investment or personal use. Architectural plans included and ready for permit or modification. Surveys and soil tests completed (2026). Utilities available and permitting budgets finalized. Ideal for a single luxury residence, two custom builds or an investor package purchase. Ready for immediate construction or permitting. Surveys (2026), set tests and permitting budgets complete. Architectural drawings included (modifiable to your design). Build with confidence and speed, as every detail is prepared.
Facts & features
The home at a glance
0.16 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.
$3,507 /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
$3,507/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.
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)
Median sold price, Indian Rocks Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% 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 370 12TH AVENUE
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$1,595,000
387 12TH AVENUE · same community
3 bd · 2 ba · 1,874 sqft · $851/sqft · 46 DOM
Sold · Nov ’25$1,000,000
425 12TH AVENUE · same community
3 bd · 3 ba · 1,950 sqft · $513/sqft · 174 DOM
Sold · Oct ’25$2,400,000
357 12TH AVENUE · same community
5 bd · 4.5 ba · 3,355 sqft · $715/sqft · 30 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 370 12TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 370 12TH 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
370 12TH AVENUE FAQs
What would the monthly payment be for 370 12TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,507/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 370 12TH AVENUE?+
The most recent tax bill on record (2025) was $3,022. 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 $489,000, this home is listed about 31% 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 370 12TH 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
Five things that matter here
01Under the INDIAN ROCKS BEACH 33785 market on paper
$489,000 is 31% below the INDIAN ROCKS BEACH 33785 median of $707,450.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
266 days on market against a Indian Rocks Beach median of 48 — 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.
05The price has already moved
Listed at $699,000, now $489,000 — a $210K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTL REALTY · Michael Lynch. MLS #TB8446554.
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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