2302 BAY BOULEVARD, INDIAN ROCKS BEACH, FL, 33785
Active154 days on marketListed Feb 27, 2026MLS #TB8480813
About this home
2302 BAY BOULEVARD
A Proven Cash Flow Machine — Steps from the Gulf This isn't just a beach house — it's a turnkey income-producing powerhouse on one of Florida's most sought-after barrier islands. With over $200,000 in vacation rental revenue in 2025 and $190,000+ already booked for 2026, the numbers speak for themselves. The demand is real, the returns are exceptional, and the lifestyle is unmatched. Welcome to 2302 Bay Blvd — a stunning Key West–style pool home just steps from the white sand beaches of Indian Rocks Beach. From the moment you arrive, the tropical energy is undeniable. The ground level opens to your own private resort: a heated PebbleTec pool and illuminated spa, a fully equipped tiki bar, and a 500-square-foot fire pit area — all enclosed within a full privacy fence. This is the kind of outdoor space guests rave about and book again for. Step inside the main living level and soaring cathedral ceilings, abundant natural light, and a wide-open floor plan immediately set the tone. The gourmet kitchen features stainless steel appliances, a center island, granite countertops, and solid wood cabinetry — ideal for everything from family dinners to catered events. Just off the kitchen, a private deck overlooks the Intracoastal Waterway, offering serene bay views and unforgettable sunsets. The upper-level primary suite is a true owner's retreat, complete with a beautifully updated private bathroom and water views from both east- and west-facing windows. The main floor offers two additional spacious bedrooms and a full bathroom with a walk-in shower — perfect for guests or family. Here's where the investment gets even smarter. A lock-out unit seamlessly connects to the main home, featuring 2 bedrooms, 1 bathroom, its own living room, full kitchen, dining area, and a wraparound balcony overlooking the tropical oasis below. Rent it out independently for added income, or open it up to accommodate larger groups. Flexibility like this is what drives top-tier rental performance. Property Highlights Proven Revenue: $200K+ gross rental income in 2025; $120K+ already booked for 2026 Prime Location: Steps to Gulf beach access in Indian Rocks Beach — one of the Tampa Bay area's most desirable vacation destinations Resort-Style Outdoor Living: Heated pool & spa, tiki bar, 500 sq ft fire pit area, full privacy fence Flexible Layout: Lock-out 2BR/1BA unit can operate as an independent rental or extend the main home to 5BR/4BA Intracoastal Waterway Views: Deck with bay views from the main living level and primary suite Parking for 8 Vehicles: 4-car garage with hurricane-rated doors plus 4 additional exterior spaces — a rare and valuable asset in a beach community Designer Interiors: Thoughtfully designed with tropical-luxe finishes, plush furnishings, and Instagram-worthy bedroom suites that keep guests coming back
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,422
Sqft
0.18 ac
Lot size
4
Garage
1980
Year built
Two
Levels
$646
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.
$10,574 /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
$10,574/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
$646 vs $587
Days on market
154 vs 48 typical
Where $646/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)
46 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 127% 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 2302 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 · Dec ’25$1,850,000
2308 BAY BOULEVARD · same community
10 bd · 5 ba · 3,946 sqft · $469/sqft · 28 DOM
Sold · Mar ’26$1,535,000
300 6TH AVENUE
4 bd · 3 ba · 2,381 sqft · $645/sqft · 17 DOM
Sold · Sep ’25$1,275,000
410 HARBOR VIEW LANE
4 bd · 2.5 ba · 2,465 sqft · $517/sqft · 14 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 2302 BAY BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2302 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
2302 BAY BOULEVARD FAQs
What would the monthly payment be for 2302 BAY BOULEVARD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,574/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 2302 BAY BOULEVARD?+
The most recent tax bill on record (2025) was $16,587. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Indian Rocks Beach?+
At $1,565,000, this home is listed about 120% 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 2302 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
$1,565,000 runs 127% above the INDIAN ROCKS BEACH 33785 median — but at 2,422 sqft it's also nearly twice the size of the typical Indian Rocks Beach listing.
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
154 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 $1,590,000, now $1,565,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of VINE REAL ESTATE ADVISORS · Robert Washington. MLS #TB8480813.
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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