
399 2ND STREET UNIT 216, INDIAN ROCKS BEACH, FL, 33785
Active168 days on marketListed Feb 19, 2026MLS #TB8477066
About this home
399 2ND STREET UNIT 216
2BR/2BA elevated waterfront condo at Harbourside at Marker 33 in Indian Rocks Beach. 3-night rentals allowed. Turnkey 1031 exchange ready. This 2 bedroom, 2 bathroom elevated waterfront condo in Indian Rocks Beach offers 1,110 square feet of interior space and was built in 2016. Approved for short-term rentals with a 3-night minimum and 120-night maximum lease period, the property supports personal use, rental income, or a 1031 exchange strategy. Financing is available. Positioned directly on the Intracoastal Waterway and two blocks from the Gulf beaches, the building is in a flood zone but was constructed in 2016 to a higher elevation and hurricane standards, including hurricane-rated windows. This second-floor unit faces south with water views to the east and west. The 23-foot-wide private balcony overlooks the Intracoastal and nearby boat slips in a designated no-wake zone. The split floor plan allows flexibility for guest stays or dual-use occupancy. Theprimary suite includes a king bed and a walk-in shower. The second suite features two queen beds and a full bath. The open kitchen offers granite counters, shaker cabinetry, luxury vinyl plank flooring, and a breakfast bar that flows into the living area. Washer and dryer (2022) are included. The unit comes fully furnished with decor, televisions, linens, dishware, appliances, and beach gear, allowing immediate rental or personal use withoutadditional setup. Elevator access serves this elevated building. Open parking is located under the structure, and each unit receives one parking pass. WiFi is included. One pet up to 20 pounds is permitted for owners. The HOA fee is $1,660 per month and includes cable TV, internet, WiFi, water, sewer, trash, flood and building insurance, escrow reserves fund, common area taxes, exterior and grounds maintenance, repairs, pest control, pool maintenance, recreational facilities, community pool, These Owners are able to transfer four daily passes (while most units only have two.) to Splash Harbour Waterpark, featuring a 600-foot lazy river, two 42-foot water slides, a kid's zone with slides and a dumping bucket, a resort-style pool, food service, full-service tiki bar, and sundecks overlooking the Gulf of Mexico and the Intercoastal. Rooftop terraces provide additional areas for viewing sunrises and sunsets. From Harbourside at Marker 33, at least ten restaurants and eateries are located within four blocks, including Jimmy Guana’s, The Original Crabby Bill’s, Villa Gallace, Monstah Lobstah, and JD’s Back Porch, Guilty SeaSports Pub, and P.J.’s Oyster Bar, along with nearby shopping. The area is golf cart-friendly and walkable. Clearwater Beach is approximately 7 miles away, Downtown St. Petersburg is approximately 21 miles away, Tampa International Airport is approximately 25 miles away, and Walt Disney World is approximately 91 miles away.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,110
Sqft
0.36 ac
Lot size
2016
Year built
One
Levels
$572
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.
$5,519 /mo · 30% down, 30-yr fixed at 6.9%
Why the rate is different here
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote for a condo-hotel in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$5,519/mo
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.
$/sqft vs HARBOURSIDE AT MARKER 33 VACATION CONDO
$572 vs $630
Days on market
168 vs 68 typical
Where $572/sqft sits among the 6 homes for sale in HARBOURSIDE AT MARKER 33 VACATION CONDO
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)
5 of 6
HARBOURSIDE AT MARKER 33 VACATION CONDO have cut their price
Median sold price, Indian Rocks Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% 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 399 2ND STREET UNIT 216
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$630,000
399 2ND STREET UNIT 313 · same community
2 bd · 2 ba · 1,100 sqft · $573/sqft · 188 DOM
Sold · Jul ’26$217,000
10215 REGAL DRIVE UNIT 14
2 bd · 2 ba · 1,105 sqft · $196/sqft · 283 DOM
Sold · Apr ’26$505,000
19925 GULF BOULEVARD UNIT 105
2 bd · 2 ba · 1,125 sqft · $449/sqft · 274 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 399 2ND STREET UNIT 216 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 399 2ND STREET UNIT 216 — 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
399 2ND STREET UNIT 216 FAQs
What would the monthly payment be for 399 2ND STREET UNIT 216?+
With 30% down on a 30-year condo-hotel loan at 6.9%, the all-in payment lands around $5,519/mo — principal and interest, the actual property-tax bill, the $1,660/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 399 2ND STREET UNIT 216?+
The association fee works out to $1,660 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 399 2ND STREET UNIT 216?+
The most recent tax bill on record (2025) was $9,268. 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 399 2ND STREET UNIT 216?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size 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 $634,900, this home is listed about 15% below 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 399 2ND STREET UNIT 216?+
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
$634,900 is 10% below the INDIAN ROCKS BEACH 33785 median of $707,450, and at $572/sqft it sits under the Indian Rocks Beach average of $673.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The trade-off to know about
Condo-hotel units use specialty financing — expect a larger down payment and a rate premium, or an all-cash purchase. Our lender partners quote these weekly; the cost panel below reflects standard financing, so ask us for the real quote.
04Time on market is leverage
168 days on market against a Indian Rocks Beach median of 68 — 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 FUTURE HOME REALTY INC · Cyndee Haydon. MLS #TB8477066.
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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