2605 BAY BOULEVARD, INDIAN ROCKS BEACH, FL, 33785
Active153 days on marketListed Feb 27, 2026MLS #TB8480474
About this home
2605 BAY BOULEVARD
Virtually Staged. Experience the best of coastal living and investment potential with this beautifully updated waterfront triplex in the heart of Indian Rocks Beach. Perfectly positioned along the Intracoastal Waterway and just a short stroll to the Gulf, this property offers the rare opportunity to enjoy beachside living while generating income. Each of the three residences features two bedrooms and one bathroom, thoughtfully designed with a bright, coastal aesthetic and modern finishes throughout. Updated kitchens, refreshed baths, and stylish flooring create inviting spaces that feel both comfortable and turnkey for guests or long-term occupants. Start your mornings taking in peaceful water views from the rooftop deck as the sun rises over the Intracoastal, then spend the day at the beach just minutes away. Back at the property, the outdoor spaces are designed for relaxation and entertaining, featuring new pavers, a grilling area, dock access, and plenty of room to gather waterside. An outdoor shower makes rinsing off after sandy beach days effortless. The property features 72 feet of new marine seawall, offering valuable waterfront protection and enhancing the long-term durability of this coastal investment. Significant recent improvements provide peace of mind, including concrete block construction, hurricane impact windows, a newer roof, updated AC systems, new flooring and paint, granite countertops, exterior lighting, awnings, and low-maintenance tropical landscaping with irrigation. The property also includes three separate electric meters, dedicated storage areas with washer and dryer, carport parking, and dock access along the Intracoastal. Offered fully furnished with keyless entry systems already in place, this property is ready to continue operating as a successful vacation rental, seasonal retreat, or multi-generational getaway. Live in one unit while the others generate income, or maximize its full investment potential. Whether you’re searching for a waterfront lifestyle, a smart income property, or both, this Indian Rocks Beach triplex delivers a rare blend of location, updates, and versatility. *Financials will be provided at a later date*
Facts & features
The home at a glance
6
Bedrooms
2,464
Sqft
0.18 ac
Lot size
1957
Year built
$771
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 — not generic estimates.
$13,413 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$13,413/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 Indian Rocks Beach actives
$771 vs $594
Days on market
153 vs 48 typical
Where $771/sqft sits among the 90 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 90
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 180% above 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 2605 BAY BOULEVARD
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$815,000
1731 CLEARWATER HARBOR DRIVE
5 bd · 3 ba · 2,909 sqft · $280/sqft · 234 DOM
Sold · May ’26$1,550,000
319 CEDAR LANE
5 bd · 3.5 ba · 2,919 sqft · $531/sqft · 37 DOM
Sold · Jan ’26$1,340,000
1203 BAY SHORE BOULEVARD
5 bd · 5 ba · 3,002 sqft · $446/sqft · 39 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 2605 BAY BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2605 BAY BOULEVARD — 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
2605 BAY BOULEVARD FAQs
What would the monthly payment be for 2605 BAY BOULEVARD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,413/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 2605 BAY BOULEVARD?+
The most recent tax bill on record (2024) was $27,460. 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 2605 BAY BOULEVARD?+
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 $1,900,000, this home is listed about 167% above 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 2605 BAY BOULEVARD?+
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
01Positioned at the premium end
$1,900,000 runs 180% above the INDIAN ROCKS BEACH 33785 median — but at 2,464 sqft it's also nearly twice the size of the typical Indian Rocks Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
153 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 $1,999,999, now $1,900,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of IMPACT REALTY TAMPA BAY · Charlie Ann Turner. MLS #TB8480474.
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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