20204 GULF BOULEVARD UNIT 3, INDIAN SHORES, FL, 33785
Active127 days on marketListed Apr 3, 2026MLS #TB8493043
About this home
20204 GULF BOULEVARD UNIT 3
Rare opportunity to own a fully remodeled beachfront condo in Indian Shores ideally positioned between the Gulf and the Intracoastal Waterway, offering direct beach access, water views, and strong short-term rental potential. This 2-bedroom, 2-bath residence with 1,340 sq ft delivers refined coastal living with an open-concept layout, perfect for entertaining or relaxing. Renovated in 2021–2022, the interior features driftwood-style porcelain tile throughout, designer finishes, and abundant natural light. The chef’s kitchen showcases custom cotton color shaker cabinetry, quartz countertops with coastal blue accents, premium appliances, a 48-inch Sub-Zero refrigerator, and a 5-burner range. The spacious living area includes a wood-burning fireplace, flexible workspace, and built-in Murphy bed for added versatility. The primary suite offers Intracoastal water views, a walk-in closet, and en-suite bath, while the guest suite provides additional sleeping capacity and workspace. Recent upgrades include hurricane shutters (2023) and impact-rated sliders (2024) for enhanced protection and efficiency. Enjoy seamless indoor-outdoor living with a private beachfront patio and access to a gulf-front terrace with lounge seating, gas grill, and outdoor bar area. Parking spaces are first come first serve,but you are guaranteed two per unit, under-building storage, and first-come boat slips. Zoned for weekly rentals, this property offers exceptional flexibility as a primary residence, vacation home, or income-producing investment. Conveniently located near dining, bars, shopping, parks, bike trails, and within easy access to Tampa International Airport. Don’t miss your chance to own a premier beachfront property in Indian Shores—schedule your private showing today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,340
Sqft
0.49 ac
Lot size
1981
Year built
One
Levels
$780
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.
$7,203 /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
$7,203/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
+97.4%
$/sqft vs Indian Shores actives
$780 vs $557
Days on market
127 vs 90 typical
Where $780/sqft sits among the 87 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)
41 of 87
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 46% above the INDIAN SHORES 33785 median. See the full Indian Shores market guide →
Paper trail
This home's history
Reality check
What actually sold near 20204 GULF BOULEVARD UNIT 3
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$362,500
19531 GULF BOULEVARD UNIT 312
2 bd · 2 ba · 1,320 sqft · $275/sqft · 94 DOM
Sold · Jun ’26$491,500
19531 GULF BOULEVARD UNIT 612
2 bd · 2 ba · 1,320 sqft · $372/sqft · 4 DOM
Sold · Apr ’26$465,000
19531 GULF BOULEVARD UNIT 502
2 bd · 2 ba · 1,320 sqft · $352/sqft · 80 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 20204 GULF BOULEVARD UNIT 3 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20204 GULF BOULEVARD UNIT 3 — 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
20204 GULF BOULEVARD UNIT 3 FAQs
What would the monthly payment be for 20204 GULF BOULEVARD UNIT 3?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,203/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 3?+
The most recent tax bill on record (2025) was $12,153. 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 3?+
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 Shores?+
At $1,045,000, this home is listed about 57% above the Indian Shores median of $664,500. The market section on this page shows how the area is trending.
Which schools are assigned to 20204 GULF BOULEVARD UNIT 3?+
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
$1,045,000 runs 46% above the INDIAN SHORES 33785 median.
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 $1,150,000, now $1,045,000 — a $105K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Maria Mercado Herbert, PA. MLS #TB8493043.
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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