829 E GULF BOULEVARD UNIT 107, INDIAN ROCKS BEACH, FL, 33785
Active186 days on marketListed Jan 25, 2026MLS #TB8463648
About this home
829 E GULF BOULEVARD UNIT 107
***NET LIST PRICE = $453,000*** (approximately $42,000 INSTANT VALUE CREDIT TOWARDS YOUR RENO for white box repairs). DEEP SAILBOAT WATER WITH PERSONAL BOAT SLIP. LONG INTRACOASTAL VIEWS (arguably the best in the complex due to the unit's central position). This is a rare value-add opportunity to create a custom waterfront residence, second home, or investment property in one of Florida’s most desirable beach communities. ACV appraisal was completed for the complex and is available for your review of initial FEMA renovation allowance. 6 MONTH MINIMUM RENTAL, PET FRIENDLY ASSOC. (2 pets up to 30 lbs each). LARGE DRIVEWAY, PRIVATE GARAGE and COURTYARD. Location is unbeatable! In addition to direct Intracoastal access, the property is positioned mere steps from multiple Indian Rocks Beach (IRB) access points, where miles of sandy shoreline, turquoise Gulf waters, and unforgettable sunsets await. IRB is an outstanding and highly desirable beach community with a ton of fun in the sun activities for all to enjoy. Several parks including a waterfront nature park with outdoor exercise equipment, pickleball, tennis and basketball courts, playgrounds and dog park. Golf cart friendly, several community events throughout the year, great local restaurants, coffee shops and beach boutiques all within the IRB community. You won’t want to leave IRB, but if you have to, it is easy access to anywhere in Pinellas, Tampa and local airports. View the 3D tour for an instant walkthrough and schedule a 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
$413
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.
$4,242 /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
$4,242/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.
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
+51.8%
$/sqft vs Indian Rocks Beach actives
$413 vs $594
Days on market
186 vs 48 typical
Where $413/sqft sits among the 89 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)
45 of 89
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 27% 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 829 E GULF BOULEVARD UNIT 107
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 829 E GULF BOULEVARD UNIT 107 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 829 E GULF BOULEVARD UNIT 107 — 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
829 E GULF BOULEVARD UNIT 107 FAQs
What would the monthly payment be for 829 E GULF BOULEVARD UNIT 107?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,242/mo — principal and interest, the actual property-tax bill, the $665/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 829 E GULF BOULEVARD UNIT 107?+
The association fee works out to $665 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 829 E GULF BOULEVARD UNIT 107?+
The most recent tax bill on record (2025) was $3,408. 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 829 E GULF BOULEVARD UNIT 107?+
The listing reports pets: Number Limit, 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 Rocks Beach?+
At $495,000, this home is listed about 30% 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 829 E GULF BOULEVARD UNIT 107?+
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
$495,000 is 27% below the INDIAN ROCKS BEACH 33785 median of $679,450, and at $413/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 $665/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
186 days on market against a Indian Rocks Beach median of 48 — sellers in this position are usually ready to negotiate.
05Strong 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 COASTAL PROPERTIES GROUP INTERNATIONAL · Heloise Povey. MLS #TB8463648.
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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