2601 BAY BOULEVARD, INDIAN ROCKS BEACH, FL, 33785
Active124 days on marketListed Mar 23, 2026MLS #TB8488258
About this home
2601 BAY BOULEVARD
The only elevated waterfront home available in Indian Rocks Beach under $2M! This rare opportunity features 3 bedrooms, 2 baths AND 73 feet of Intracoastal water frontage. Perfectly positioned on a calm inlet, this property is a boater’s dream, equipped with a updated private dock and a 9,000lb lift keeping your vessel ready for sunset cruises or offshore fishing in the Gulf at a moment's notice. Designed for both relaxation and resiliency, the home boasts an expansive covered rear deck perfect for your morning cup of coffee or evening cocktails and an oversized hot tub with panoramic water views. A paver walkway, firepit, and alfresco dining area round out a backyard built for enjoyment. Inside, the 1,624 square feet of elevated living space is designed to keep the water front and center. Multiple French doors open the rear of the home to the deck, engineered hardwood floors carry through the main living areas, and the kitchen anchors the open-concept space with solid surface counters, updated appliances, and an easy flow into the dining and living rooms. Plantation shutters, updated lighting, and newer ceiling fans throughout give the interior a clean, coastal finish. The primary suite sits upstairs with a walk-in closet and serene inlet views. The ground level combines a two-car garage with additional storage space . Perhaps most importantly, this home remained high and dry through recent hurricanes, and it carries an assignable flood insurance policy at approximately $900 per year, a number that speaks for itself on an Intracoastal address in Pinellas County. The investment profile is equally clear. No HOA, no minimum lease period, a metal roof, a seawall updated in 2019, and a proven short-term rental history with projected annual revenue of $90,000 or more. A few blocks to the sand, dining, and shops along Gulf Boulevard, with easy access to Clearwater Beach and the broader Indian Rocks corridor. Don’t miss this low-maintenance, move-in-ready beach house in one of Pinellas County’s most sought-after golf-cart-friendly communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,624
Sqft
0.19 ac
Lot size
2
Garage
1994
Year built
Two
Levels
$1,031
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.
$11,693 /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
$11,693/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
+89.6%
$/sqft vs Indian Rocks Beach actives
$1,031 vs $594
Days on market
124 vs 48 typical
Where $1,031/sqft sits among the 92 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)
48 of 92
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 139% 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 2601 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 · Apr ’26$1,300,000
322 10TH AVENUE
2 bd · 2 ba · 1,624 sqft · $800/sqft · 8 DOM
Sold · Apr ’26$585,000
825 E GULF BOULEVARD UNIT 110
3 bd · 2.5 ba · 1,616 sqft · $362/sqft · 34 DOM
Sold · Apr ’26$610,000
911 HARBOUR HOUSE DRIVE
3 bd · 3 ba · 1,616 sqft · $377/sqft · 37 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 2601 BAY BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2601 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
2601 BAY BOULEVARD FAQs
What would the monthly payment be for 2601 BAY BOULEVARD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,693/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 2601 BAY BOULEVARD?+
The most recent tax bill on record (2025) was $22,401. 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 2601 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 $1,675,000, this home is listed about 135% 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 2601 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
$1,675,000 runs 139% above the INDIAN ROCKS BEACH 33785 median — but at 1,624 sqft it's also 25% larger than the typical Indian Rocks Beach listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
124 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 $1,725,000, now $1,675,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY PORTFOLIO COLLECTION · Chase Walseth. MLS #TB8488258.
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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