725 1ST STREET, INDIAN ROCKS BEACH, FL, 33785
Active132 days on marketListed Mar 27, 2026MLS #TB8491553
About this home
725 1ST STREET
Located just one block from the beach in IRB, this income-producing duplex offers two spacious 2-bed/1-bath units totaling 1,650 sq. ft. heated and 3,430 sq. ft. gross area with inside laundry in each unit. No nightly rental restrictions – strong seasonal rental history and professionally managed by a local vacation rental company. Covered parking (667 sq. ft.) plus 1,048 sq. ft. utility space for storage, laundry, or owner’s closet. Deep lot with room for RV, boat, or vehicle parking. Private patios and decks for each unit. Excellent opportunity to secure prime beach property with immediate rental income potential and upside from improvements. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
1,650
Sqft
0.13 ac
Lot size
1983
Year built
Two
Levels
$470
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.
$5,506 /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
$5,506/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.
$/sqft vs Indian Rocks Beach actives
$470 vs $617
Days on market
132 vs 68 typical
Where $470/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
$950K → $755K
Indian Rocks Beach median sold, yr/yr
94.2%
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 8% 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 725 1ST STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$640,000
307 BAHIA VISTA DRIVE · same community
2 bd · 1 ba · 1,236 sqft · $518/sqft · 8 DOM
Sold · Apr ’26$410,000
11469 OAKHURST ROAD
3 bd · 2 ba · 1,654 sqft · $248/sqft · 182 DOM
Sold · Jul ’26$400,000
14557 APACHE AVENUE
3 bd · 2 ba · 1,641 sqft · $244/sqft · 128 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 725 1ST STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 725 1ST STREET — 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
725 1ST STREET FAQs
What would the monthly payment be for 725 1ST STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,506/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 725 1ST STREET?+
The most recent tax bill on record (2025) was $10,480. 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 725 1ST STREET?+
The listing reports pets: Size 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 Rocks Beach?+
At $775,000, this home is listed about 3% above 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 725 1ST STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of BRODERICK & ASSOCIATES INC · Sean Broderick. MLS #TB8491553.
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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