407 20TH AVENUE, INDIAN ROCKS BEACH, FL, 33785
Active151 days on marketListed Mar 5, 2026MLS #TB8482144
About this home
407 20TH AVENUE
Direct Intracoastal Waterfront Lot with existing home. Welcome to Indian Rocks Beach! This property offers prime tear down potential for builders or investors looking to maximize value with a dream waterfront build on a 6700 sqft lot. Alternatively, this coastal cottage can be brought back to life with intentional single-story and ground-floor living. The address supports multiple investment exit strategies. Enjoy direct water access off your private dock for boating, kayaking, paddle boarding, or fishing right from the backyard. Southern exposure protects you from wind and captures the warm sunsets. Golf cart friendly roads allow you to meander your way through tropical paradise, cruise to local establishments, and park in designated parking spots around town. The lot is situated just two blocks to one of the 24 beach access points and miles of Gulf coastline. Kolb Park is nearby which features tennis and pickleball courts, a skate park, playground, basketball court, and fields used by IRB Little League and Senior Softball. Zoned for top rated schools and close to local restaurants and shops, the location also provides quick access to Tampa, St. Petersburg, and two International Airports. This is a prime redevelopment opportunity in a high demand coastal pocket, ready for your vision.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,080
Sqft
0.15 ac
Lot size
1
Garage
1969
Year built
One
Levels
$805
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.
$5,371 /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
$5,371/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.
vs edgeAI estimate
+62.7%
$/sqft vs Indian Rocks Beach actives
$805 vs $616
Days on market
151 vs 48 typical
Where $805/sqft sits among the 87 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 87
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 23% 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 407 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 · Dec ’25$1,550,000
417 20TH AVENUE · same community
3 bd · 2.5 ba · 2,230 sqft · $695/sqft · 46 DOM
Sold · Nov ’25$380,000
12037 145TH STREET
3 bd · 2 ba · 1,049 sqft · $362/sqft · 80 DOM
Sold · Apr ’26$370,000
12366 137TH STREET N
2 bd · 1.5 ba · 1,132 sqft · $327/sqft · 31 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 407 20TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 407 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
407 20TH AVENUE FAQs
What would the monthly payment be for 407 20TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,371/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 407 20TH AVENUE?+
The most recent tax bill on record (2025) was $2,351. 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 $869,000, this home is listed about 22% 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 407 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
Five things that matter here
01Positioned at the premium end
$869,000 runs 23% above the INDIAN ROCKS BEACH 33785 median.
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
151 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 $895,000, now $869,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MAVREALTY · Stewart Devore. MLS #TB8482144.
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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