
19111 VISTA BAY DRIVE UNIT 204, INDIAN SHORES, FL, 33785
Active132 days on marketListed Apr 5, 2026MLS #TB8488636
About this home
19111 VISTA BAY DRIVE UNIT 204
Lowest priced 2/2 Waterfront Condo along our Intracoastal. Just 300 steps to the Beach.. Large 2/2 with 1260 Sq Ft.. Welcome to Vista Bay Condominiums on the intracoastal waterway in Indian Shores. The association just completed a complex makeover including a million dollar brand new, 530-foot waterfront promenade with all new docks, walkway plus a fishing and day dock. There are also waterfront tennis and pickle ball courts, grilling stations and a heated pool, perfect for enjoying Florida's aquatic lifestyle. Indulge in spotting dolphins, manatees, yearly boat parades and coastal family fun from the waterfront amenities. All assessments are paid. The second-floor, two-bedroom, two-bath, 1,260 square-foot condo offers direct water views from the living room from the 30-foot waterfront balcony, main bedroom and kitchen. There's also an 18-by-6-foot balcony off the spacious guest bedroom on the west side of the condominium. After two decades of being a family beach getaway, the current owner refreshed the unit with new paint, a new AC and water heater installed in 2026 and new carpets. The condominium conveys with an under-building parking, and second floor storage space. Vista Bay is a well-managed complex that offers a heated pool, shuffleboard, car wash, grilling station, community fishing and sitting docks, deeded 30-foot to 40-foot boat slips, day dock and tennis and pickleball courts, plus an abundance of guest parking, ideal for entertaining or dinner guests. The beach access right across the street. Financials are in good shape and fully budgeted with $989 monthly maintenance fees. Indian Shores, also known as The Narrows, is known for its semi-private beaches due to coastal configuration and lack of public parking. The condo is near restaurants and nightlife, a small, friendly town just 8 miles south of Clearwater Beach, 22 miles due west of the Tampa airport and roughly three miles to the new Seminole City Shopping Center, an upscale mall destination offering shopping, cafes, restaurants, new movie theater, health store and gym. It is also approximately 20 minutes from the Dali Museum, Sports Arenas and downtown St Pete Museums. Vista Bay is a secured private complex with a three-month minimum rental period with three rentals per year, total. If someone rents only one week, it counts as one of the three rentals allowed. This is a private boating complex, hence the rare 40-plus guest parking spots. You will know your neighbor. Indian Shores has underground utilities for safety and aesthetics. The complex is near a police department, family friendly, bikeable and accessible. The beaches are never crowded here. Enjoy our coastal lifestyle. Call for immediate private showings.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,260
Sqft
3.11 ac
Lot size
1
Garage
1983
Year built
One
Levels
$309
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.
$2,793 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,793/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+3.8%
$/sqft vs Indian Shores actives
$309 vs $599
Days on market
132 vs 97 typical
Where $309/sqft sits among the 82 Indian Shores 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 Shores
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Indian Shores market
$535K → $655K
Indian Shores median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
40 of 82
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 47% below the INDIAN SHORES 33785 median. See the full Indian Shores market guide →
Paper trail
This home's history
Reality check
What actually sold near 19111 VISTA BAY DRIVE UNIT 204
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$380,000
19111 VISTA BAY DRIVE UNIT 202 · same community
2 bd · 2 ba · 1,265 sqft · $300/sqft · 12 DOM
Sold · Feb ’26$360,000
19111 VISTA BAY DRIVE UNIT 211 · same community
2 bd · 2 ba · 1,265 sqft · $285/sqft · 63 DOM
Sold · Jul ’26$400,000
19111 VISTA BAY DRIVE UNIT 301 · same community
2 bd · 2 ba · 1,295 sqft · $309/sqft · 34 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 19111 VISTA BAY DRIVE UNIT 204 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19111 VISTA BAY DRIVE UNIT 204 — 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
19111 VISTA BAY DRIVE UNIT 204 FAQs
What would the monthly payment be for 19111 VISTA BAY DRIVE UNIT 204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,793/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 19111 VISTA BAY DRIVE UNIT 204?+
The most recent tax bill on record (2025) was $2,051. 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 19111 VISTA BAY DRIVE UNIT 204?+
The listing reports pets: Number Limit. 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 $389,000, this home is listed about 45% below the Indian Shores median of $707,450. The market section on this page shows how the area is trending.
Which schools are assigned to 19111 VISTA BAY DRIVE UNIT 204?+
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
01Under the INDIAN SHORES 33785 market on paper
$389,000 is 47% below the INDIAN SHORES 33785 median of $735,000, and at $309/sqft it sits under the Indian Shores average of $701.
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 $399,000, now $389,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTL REALTY · Roger Hogan. MLS #TB8488636.
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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