David Ramirez
$1,299,000$1,325,0003 bd3 ba1,670 sqft$778 /sqft$8,796 /mo all-in ↓

20204 GULF BOULEVARD UNIT 9, INDIAN SHORES, FL, 33785

Active146 days on marketListed Mar 13, 2026MLS #TB8486532

Reduced $26KWaterfrontCondominiumPIPERS III A CONDO

About this home

20204 GULF BOULEVARD UNIT 9

Rare Gulf Front & Intracoastal Retreat – Perfect for Beach Lovers and Boaters Alike! Schedule your showing and prepare to take in breathtaking Gulf and Intracoastal water views from this 3-bedroom, 3-bath Gulf-front condominium offering the perfect blend of privacy, investment potential, and relaxed coastal living. Located in an intimate private building with only 10 units, this exceptional property features low condominium fees and the rare flexibility of weekly rentals, making it equally attractive as a personal retreat or income-producing investment. Ideally positioned in The Narrows of Indian Shores, the property enjoys captivating water views both east and west, allowing you to experience beautiful sunrises over the Intracoastal Waterway and spectacular sunsets over the Gulf of Mexico. This prime location also provides convenient access to the many destinations that make Pinellas County one of Florida’s most desirable coastal areas, including Downtown St. Petersburg, St. Pete Beach, Clearwater Beach, Dunedin, Safety Harbor, and Tampa. In 2023, new hurricane-impact sliding glass doors were installed, enhancing both storm protection and energy efficiency while maximizing the stunning waterfront views. The thoughtfully designed interior layout includes two spacious primary suites, each featuring its own private en-suite bathroom, offering comfort and privacy for owners and guests alike. The third bedroom provides flexible space that can easily function as a guest room, office, or study. From the main living areas and bedrooms, enjoy panoramic views of the beach and the Gulf of Mexico, creating a true beachfront living experience. Residents enjoy direct beach access along with the added benefit of a first-come, first-served boat dock on the Intracoastal Waterway, providing the unique opportunity to enjoy both boating and beachfront living from the same property. The efficiently designed chef’s kitchen features granite countertops, warm wood cabinetry, and generous bar seating, creating a welcoming space for both everyday living and entertaining. The homeowners association allows weekly rentals, making this property a compelling opportunity for investors seeking strong rental flexibility in a limited-supply beachfront market. The unit is being offered fully furnished and turnkey, and includes two assigned parking spaces along with a convenient ground-floor storage unit. Additional amenities include covered parking, a dedicated storage area for bicycles and beach equipment, and an established rental management program currently operated by another real estate company. A detailed rental history, future reservations, and Pro Forma Available. (Vacant most of last year for maintenance purposes (non hurricane related)) Importantly, this unit experienced no flooding during the recent hurricanes, and the building and surrounding grounds sustained only minimal impact, further reinforcing the durability and desirability of this well-maintained beachfront property.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

1,670

Sqft

0.48 ac

Lot size

1981

Year built

Three Or More

Levels

$778

Per sqft

WaterfrontWater viewTurnkeyPets allowed

Inside

FlooringCeramic Tile · Tile
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Solid Wood Cabinets · Split Bedroom
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
FurnishedTurnkey

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationBlock · Pillar/Post/Pier · Stilt/On Piling
ViewWater
FacesEast
ParkingUnder Building
ExteriorBalcony

Community & fees

Taxes (2025)$13,672/yr
PetsNumber Limit, Size Limit, Yes
CommunityDock · Fishing · Water Access · Waterfront · Buyer Approval Required · Deed Restrictions · Golf Carts OK

Utilities & systems

UtilitiesPublic
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$8,796 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,009
PMI (est., until 20% equity)$487
Property tax — 2025 actual bill$1,139
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $129,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $129,900
Interest rate6.00%
Loan term

Estimated payment

$8,796/mo

Principal & interest$7,009
PMI (est., until 20% equity)$487
Property taxes (actual bill)$1,139
Est. insurance$160

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.

List $1.3M
$724KedgeAI estimate $1,034,458 · range $754K$1.4M$1.4M

vs edgeAI estimate

+25.6%

$/sqft vs Indian Shores actives

$778 vs $568

Days on market

146 vs 87 typical

Where $778/sqft sits among the 88 Indian Shores actives

18
28
20
11 · this home
2
9
$295–437$437–579$579–721$721–863$863–1005$1005+

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 Shores

Map of 20204 GULF BOULEVARD UNIT 9

Drive times from this address

Tampa Int’l Airport (TPA)39 min
Downtown Tampa40 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Indian Shores. See the full Indian Shores guide →

INDIAN SHORES 33785 — neighborhood snapshot

Population

4,871

Median age

58.1

Median income

$98,750

Median home value

$689,500

Avg household

1.94

Households w/ children

193

For the school run

Pinellas County School District

MiddleSeminole Middle School★★★★★
ElementaryBauder Elementary School★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Indian Shores market

Seller’s marketBalanced5.6 months of inventoryBuyer’s market

$535K$638K

Indian Shores median sold, yr/yr

94.2%

Sale-to-list ratio (12 mo)

39 of 88

Indian Shores actives have cut their price

Median sold price, Indian Shores, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 82% above the INDIAN SHORES 33785 median. See the full Indian Shores market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,299,000 $26K
Mar 13, 2026Listed at $1,325,000 · 146 days on market since
1981Built · PIPERS III A CONDO

Reality check

What actually sold near 20204 GULF BOULEVARD UNIT 9

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

14370 91ST AVENUESold · Jul ’26

$485,000

14370 91ST AVENUE

3 bd · 2 ba · 1,680 sqft · $289/sqft · 103 DOM

8601 139TH STREETSold · Feb ’26

$440,000

8601 139TH STREET

3 bd · 2 ba · 1,626 sqft · $271/sqft · 73 DOM

8601 139TH STREETSold · Jul ’26

$615,000

8601 139TH STREET

3 bd · 2 ba · 1,626 sqft · $378/sqft · 35 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 20204 GULF BOULEVARD UNIT 9 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 20204 GULF BOULEVARD UNIT 9 — before you fall in love.

See it in person

Schedule a tour

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Straight answers

20204 GULF BOULEVARD UNIT 9 FAQs

What would the monthly payment be for 20204 GULF BOULEVARD UNIT 9?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,796/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 20204 GULF BOULEVARD UNIT 9?+

The most recent tax bill on record (2025) was $13,672. 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 20204 GULF BOULEVARD UNIT 9?+

The listing reports pets: 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 Shores?+

At $1,299,000, this home is listed about 88% above the Indian Shores median of $689,450. The market section on this page shows how the area is trending.

Which schools are assigned to 20204 GULF BOULEVARD UNIT 9?+

Seminole Middle School (middle), Bauder Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$1,299,000 runs 82% above the INDIAN SHORES 33785 median — but at 1,670 sqft it's also 36% larger than the typical Indian Shores listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Seminole Middle School, Bauder Elementary School, Richard O Jacobson Technical High School At Seminole — Bauder Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $1,325,000, now $1,299,000 — a $26K cut. The full history is in the market section below.

Listing courtesy of GULFSIDE REALTY SALES · Shawn Dunn. MLS #TB8486532.

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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