David Ramirez
$495,000$535,0002 bd2.5 ba1,390 sqft$356 /sqft$4,403 /mo all-in ↓

324 WINDRUSH BOULEVARD UNIT 11, INDIAN ROCKS BEACH, FL, 33785

Active176 days on marketListed Jan 29, 2026MLS #TB8468579

Priced 29% below the INDIAN ROCKS BEACH 33785 medianReduced $40KWaterfrontCondominiumWINDWARD BAY CONDO

About this home

324 WINDRUSH BOULEVARD UNIT 11

Welcome to Windward Bay Condos on Indian Rocks Beach, where luxury meets effortless coastal style. Perfectly positioned along the Intracoastal Waterway, this beautifully renovated 2 bedroom, 2.5 bathroom townhome-style condo offers thoughtful upgrades throughout and the laid-back luxury of beachside living. As you arrive, you’ll appreciate the elevated construction on stilts offering peace of mind along with a newer roof. The front of the home faces east, welcoming morning light, while the west-facing balcony sets the stage for unforgettable evening sunsets (no two are alike!) Three dedicated under-building parking spaces are included, along with additional guest and golf cart parking, making coming and going a breeze. Walking inside, you’re greeted by a high-end whole-home renovation featuring fresh interior paint, upgraded electrical outlets, recessed lighting, and durable vinyl plank flooring. High end Impact grade windows and doors, including a newer front composite door and back slider, provide peace of mind, insurance discounts, noise mitigation, aesthetics, and energy efficiency throughout. Upstairs at the main level, the living space flows seamlessly to a large private balcony, perfect for morning coffee or evening cocktails. The kitchen was fully modernized and is both functional and stylish, featuring quartzite countertops, stainless steel under-mount sink, deep drawers for pots and pans, soft-close cabinetry, a pantry with roll-out shelving, a lazy Susan corner cabinet, and an electric stove with double oven and convection options. The island offers power on both ends, including a USB port, while dimmable kitchen and dining lights add the perfect finishing touch. The nook just off the kitchen provides the ideal space for a home office or additional bedroom. An inside laundry room adds everyday convenience with washer and dryer included. Upstairs at the second level, the layout is thoughtfully designed for comfort and privacy. The owner’s suite easily accommodates a king-size bed and includes room-darkening blinds, remote-controlled ceiling fans, a walk-in closet, and attic access with pull-down stairs and added insulation completed in 2023. The ensuite bathroom has been fully upgraded with new vanities, premium lighting, tile, countertops, and fixtures, and features an expansive walk-in shower with multi option rain head. The guest bedroom offers impressive versatility with an installed queen Murphy bed that conveys, complete with a fold-out table, built-in storage, and shelving. All bathrooms, including the half bath, were fully renovated in April of 2022 with recessed lighting and dimmers, coastal-inspired finishes, and updated fixtures throughout. Additional storage can be found under the stairs and beneath the unit, providing ample space for beach gear and extras. Outside your door, enjoy resort-style amenities including a sparkling pool, grill station, lounge area, restrooms, resident-priority beach parking, and a golf-cart-friendly community. Located just a short stroll from the sugar-sand beaches of Indian Rocks Beach. Moments from fresh local fare, surf shops, boat ramp, community garden, art center, various parks, and the Nature Preserve. This is a rare opportunity to own a move-in-ready Beach Home that blends modern updates, flexible living spaces, and an unbeatable beachside location. Welcome to the island!

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,390

Sqft

1983

Year built

Two

Levels

$356

Per sqft

WaterfrontNegotiablePets allowed

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofBuilt-Up · Shingle
ConstructionWood Frame
FoundationPillar/Post/Pier
FacesEast
ParkingAssigned · Common · Covered · Golf Cart Parking · Ground Level · Guest · Under Building
ExteriorBalcony · Sliding Doors

Community & fees

HOA fee$736/mo
Taxes (2025)$4,490/yr
PetsYes
CommunityBay/Harbor Front · Intracoastal Waterway · Water Access · Waterfront · Buyer Approval Required · Golf Carts OK · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Public
WaterPublic

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.

$4,403 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,914
FHA mortgage insurance (est.)$219
Property tax — 2025 actual bill$374
Condo fee — from the listing$736
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,325Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,325
Interest rate6.00%
Loan term

Estimated payment

$4,403/mo

Principal & interest$2,914
FHA mortgage insurance (est.)$219
Property taxes (actual bill)$374
HOA / condo fee$736
Est. insurance$160

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.

List $495K
$318KedgeAI estimate $369,139 · range $332K$384K$515K

vs edgeAI estimate

+34.1%

$/sqft vs Indian Rocks Beach actives

$356 vs $594

Days on market

176 vs 48 typical

Where $356/sqft sits among the 91 Indian Rocks Beach actives

19 · this home
25
21
8
7
11
$304–446$446–588$588–729$729–871$871–1013$1013+

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

Map of 324 WINDRUSH BOULEVARD UNIT 11 inside its neighborhood boundary

Drive times from this address

Downtown Tampa38 min
Tampa Int’l Airport (TPA)38 min

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

ElementaryAnona Elementary School★★★★
HighLargo High School★★★★★
MiddleSeminole Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Indian Rocks Beach market

Seller’s marketLeans buyer10.5 months of inventoryBuyer’s market

$953K$781K

Indian Rocks Beach median sold, yr/yr

93.9%

Sale-to-list ratio (12 mo)

48 of 91

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 29% below the INDIAN ROCKS BEACH 33785 median. See the full Indian Rocks Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $495,000 $40K
Jan 29, 2026Listed at $535,000 · 176 days on market since
1983Built · WINDWARD BAY CONDO

Reality check

What actually sold near 324 WINDRUSH BOULEVARD UNIT 11

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

324 WINDRUSH BOULEVARD UNIT 8Sold · Jul ’26

$355,000

324 WINDRUSH BOULEVARD UNIT 8 · same community

2 bd · 2.5 ba · 1,390 sqft · $255/sqft · 95 DOM

13560 DEL PRADO DRIVE SSold · Dec ’25

$550,000

13560 DEL PRADO DRIVE S

3 bd · 2 ba · 1,397 sqft · $394/sqft · 14 DOM

13521 DEL PRADO DRIVE SSold · Nov ’25

$530,000

13521 DEL PRADO DRIVE S

3 bd · 2 ba · 1,397 sqft · $379/sqft · 88 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 324 WINDRUSH BOULEVARD UNIT 11 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 324 WINDRUSH BOULEVARD UNIT 11 — 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.

Goes straight to David’s phone and CRM.

Straight answers

324 WINDRUSH BOULEVARD UNIT 11 FAQs

What would the monthly payment be for 324 WINDRUSH BOULEVARD UNIT 11?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,403/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 324 WINDRUSH BOULEVARD UNIT 11?+

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 324 WINDRUSH BOULEVARD UNIT 11?+

The most recent tax bill on record (2025) was $4,490. 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 324 WINDRUSH BOULEVARD UNIT 11?+

The listing reports pets: 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 324 WINDRUSH BOULEVARD UNIT 11?+

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 29% below the INDIAN ROCKS BEACH 33785 median of $699,900, and at $356/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.

04Time on market is leverage

176 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.

Listing courtesy of MAVREALTY · Stewart Devore. MLS #TB8468579.

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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