459 20TH AVENUE, INDIAN ROCKS BEACH, FL, 33785
Active168 days on marketListed Feb 16, 2026MLS #TB8476617
About this home
459 20TH AVENUE
STUNNING custom designed and constructed by Tide Homes, this luxury estate is the pinnacle of luxury living in charming Indian Rocks Beach. Boasting 4 bedrooms, 5 baths with comfortable and convenient floor plan, this is a home you will never want to leave once you move in. Beautifully appointed, fully furnished with optimal ease of access to some of the nations premier beaches, Clearwater, St Pete and Tampa. Oversized driveway, extra deep garage offer an abundance of space for your vehicles as well as storage. Outdoor oasis in anchored by your resort style pool and spa, outdoor grill, shower, powder bath and endless water views. Intercoastal waters allow for fun in the sun kayaking, paddle boarding fishing or enjoying the Florida sun. Level 1 offers a bedroom and full bathroom suite, Living Room, Dining Room, true chef's kitchen complete with butler's pantry. Level 2 boasts bunk room suite and additional Guest Suite, as well as upstairs living room perfect for guests to enjoy separately. Primary Bedroom Suite also located on Level 2 features a masterfully designed bath and ample dual closet system. Balconies adorn the rear of the home on both levels, allowing for maximum enjoyment of this pristine property.
Facts & features
The home at a glance
4
Bedrooms
5.5
Bathrooms
4,262
Sqft
0.16 ac
Lot size
2
Garage
2019
Year built
Two
Levels
$7
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$377 /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
$377/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$7 vs $617
Days on market
168 vs 48 typical
Where $7/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
$953K → $781K
Indian Rocks Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
47 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 96% 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 459 20TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$4,500,000
2 4TH AVENUE
4 bd · 5.5 ba · 3,870 sqft · $1,163/sqft · 82 DOM
Sold · Aug ’25$1,065,000
14112 JOSEPHINE STREET
4 bd · 3.5 ba · 3,870 sqft · $275/sqft · 2 DOM
Sold · May ’26$2,150,000
12808 HARBORWOOD DRIVE
4 bd · 4 ba · 3,811 sqft · $564/sqft · 353 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 459 20TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 459 20TH 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
459 20TH AVENUE FAQs
What would the monthly payment be for 459 20TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $377/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 459 20TH AVENUE?+
The listing reports pets: No. 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 $30,000, this home is listed about 96% 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 459 20TH 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
01Under the INDIAN ROCKS BEACH 33785 market on paper
$30,000 is 96% below the INDIAN ROCKS BEACH 33785 median of $707,450, and at $7/sqft it sits under the Indian Rocks Beach average of $633.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
168 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.
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Kathryn Crowe. MLS #TB8476617.
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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