399 2ND STREET UNIT 416, INDIAN ROCKS BEACH, FL, 33785
Active129 days on marketListed Mar 31, 2026MLS #TB8491459
About this home
399 2ND STREET UNIT 416
Seller will contribute $3,500 toward buyer closing costs, prepaid items, or flooring upgrades. Experience WATERFRONT RESORT LIVING at its finest in this beautifully furnished, TURNKEY 2BR/2BA condo at the highly sought after HARBOURSIDE RESORT AT MARKER 33 in Indian Rocks Beach. Enjoy BREATHTAKING INTRACOASTAL WATERWAY VIEWS overlooking boat slips and daily boating activity from your private balcony. This professionally decorated condo features an OPEN CONCEPT LAYOUT, coastal finishes, granite countertops, wood flooring in the main living areas, Smart TVs throughout, and a convenient INSIDE WASHER/DRYER. A rare investment opportunity, this condo offers FLEXIBLE RENTAL OPTIONS—rent as a full 2BR/2BA or rent the second bedroom as a separate 1BR/1BA lockout suite. With 3 day minimum rentals allowed, strong rental history, and being sold FULLY TURNKEY, you can begin generating income immediately. As an owner or guest, you’ll enjoy FOUR DAILY SPLASH HARBOUR WATER PARK PASSES INCLUDED—a valuable perk, as most other Splash condos in the building provide only two. This is a $100/day value and a major advantage for families and vacation renters. The onsite water park features two 45 ft slides, a lazy river, splash zones, cabanas, a waterfall, and a poolside Tiki bar. The resort also offers a ROOFTOP SUNDECK with sweeping Gulf and Intracoastal views, plus access to additional amenities at the neighboring Holiday Inn, including MINIATURE GOLF AND A GAME ROOM. Located just TWO BLOCKS FROM THE WHITE SAND BEACHES of Indian Rocks Beach, this prime location places you steps from local restaurants, shops, parks, bike rentals, and the beach trolley that runs from Clearwater Beach to St. Pete Beach. Downtown St. Pete and Clearwater are an easy drive for dining, arts, and entertainment, and both Tampa International Airport and St. Pete–Clearwater Airport are conveniently close. Whether you're seeking a VACATION GETAWAY, A HIGH PERFORMING RENTAL, or both, this waterfront condo delivers the perfect blend of RESORT AMENITIES, INCOME POTENTIAL, AND COASTAL LIFESTYLE.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,110
Sqft
0 ac
Lot size
2016
Year built
One
Levels
$576
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 and the real association fee — not generic estimates.
$5,538 /mo · 30% down, 30-yr fixed at 6.9%
Why the rate is different here
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote for a condo-hotel in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$5,538/mo
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 HARBOURSIDE AT MARKER 33 VACATION CONDO
$576 vs $630
Days on market
129 vs 68 typical
Where $576/sqft sits among the 6 homes for sale in HARBOURSIDE AT MARKER 33 VACATION CONDO
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
$950K → $750K
Indian Rocks Beach median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
5 of 6
HARBOURSIDE AT MARKER 33 VACATION CONDO have cut their price
Median sold price, Indian Rocks Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% below 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 399 2ND STREET UNIT 416
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$630,000
399 2ND STREET UNIT 313 · same community
2 bd · 2 ba · 1,100 sqft · $573/sqft · 188 DOM
Sold · Jul ’26$217,000
10215 REGAL DRIVE UNIT 14
2 bd · 2 ba · 1,105 sqft · $196/sqft · 283 DOM
Sold · Apr ’26$505,000
19925 GULF BOULEVARD UNIT 105
2 bd · 2 ba · 1,125 sqft · $449/sqft · 274 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 399 2ND STREET UNIT 416 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 399 2ND STREET UNIT 416 — 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
399 2ND STREET UNIT 416 FAQs
What would the monthly payment be for 399 2ND STREET UNIT 416?+
With 30% down on a 30-year condo-hotel loan at 6.9%, the all-in payment lands around $5,538/mo — principal and interest, the actual property-tax bill, the $1,660/mo association fee 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.
How much are the HOA fees at 399 2ND STREET UNIT 416?+
The association fee works out to $1,660 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 399 2ND STREET UNIT 416?+
The most recent tax bill on record (2025) was $9,268. 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 399 2ND STREET UNIT 416?+
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 $639,000, this home is listed about 15% below the Indian Rocks Beach median of $749,000. The market section on this page shows how the area is trending.
Which schools are assigned to 399 2ND STREET UNIT 416?+
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
01Under the INDIAN ROCKS BEACH 33785 market on paper
$639,000 is 11% below the INDIAN ROCKS BEACH 33785 median of $715,000, and at $576/sqft it sits under the Indian Rocks Beach average of $677.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The trade-off to know about
Condo-hotel units use specialty financing — expect a larger down payment and a rate premium, or an all-cash purchase. Our lender partners quote these weekly; the cost panel below reflects standard financing, so ask us for the real quote.
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 $675,000, now $639,000 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PLUMLEE GULF BEACH REALTY · Betsy Sheffield. MLS #TB8491459.
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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