121 10TH AVE, INDIAN ROCKS BEACH, FL, 33785
Active87 days on marketListed May 1, 2026MLS #TB8502578
About this home
121 10TH AVE
Welcome to your fully renovated beach retreat in the heart of Indian Rocks Beach! This beautifully updated 3-bedroom, 2-bathroom home is truly turnkey and perfectly positioned just a short walk down the street to convenient beach access, allowing you to enjoy the Gulf’s white sands and stunning sunsets whenever you please. Extensively improved with over $140,000 in recent renovations, this home offers peace of mind and modern style with a new roof, new AC system, new duct work, new doors, new appliances, fresh interior and exterior paint, and a fully renovated kitchen and bathrooms. Every detail has been thoughtfully updated, creating a move-in-ready coastal oasis. Step outside to enjoy the large backyard with no rear neighbors, as the home backs to Indian Rocks Beach Nature Preserve for added privacy and a serene backdrop. A 1-car garage adds valuable storage for your vehicle, beach gear, golf cart, or outdoor toys. Located in one of the most desirable beach communities on Florida’s Gulf Coast, this property is ideal as a primary residence, vacation home, or income-producing investment, with short-term rentals allowed and highly sought after in the area. Enjoy the charm of a true small beach town while being just minutes from Clearwater, the Intracoastal Waterway, St. Petersburg, and countless popular restaurants, bars, and entertainment options.Whether you're looking for a personal coastal escape or a prime short-term rental opportunity, this Indian Rocks Beach gem offers the perfect blend of lifestyle, location, and investment potential.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,711
Sqft
0.15 ac
Lot size
1
Garage
1973
Year built
One
Levels
$485
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.
$5,595 /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
$5,595/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
+6.4%
$/sqft vs Indian Rocks Beach actives
$485 vs $594
Days on market
87 vs 48 typical
Where $485/sqft sits among the 89 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)
45 of 89
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 19% 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 121 10TH AVE
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$1,797,500
204 GULF BOULEVARD · same community
4 bd · 3 ba · 1,940 sqft · $927/sqft · 90 DOM
Sold · Mar ’26$750,000
345 Bahia Vista Drive, Other City - In The State Of Florida FL 33785 · same community
2 bd · 1 ba · 104 DOM
Sold · Jan ’26$4,500,000
2 4TH AVENUE · same community
4 bd · 5.5 ba · 3,870 sqft · $1,163/sqft · 82 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 121 10TH AVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 121 10TH AVE — 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
121 10TH AVE FAQs
What would the monthly payment be for 121 10TH AVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,595/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 121 10TH AVE?+
The most recent tax bill on record (2025) was $7,741. 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 121 10TH AVE?+
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 $830,000, this home is listed about 17% 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 121 10TH AVE?+
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
Three things that matter here
01Positioned at the premium end
$830,000 runs 19% above the INDIAN ROCKS BEACH 33785 median — but at 1,711 sqft it's also 32% larger than the typical Indian Rocks Beach listing.
02Strong assigned schools
Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $860,000, now $830,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA EXECUTIVE REALTY 2 · Connor Loyd. MLS #TB8502578.
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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