
900 GULF BLVD UNIT 104, INDIAN ROCKS BEACH, FL, 33785
Active87 days on marketListed May 7, 2026MLS #TB8505809
About this home
900 GULF BLVD UNIT 104
Rare ground-floor, end-unit on the sands of Indian Rocks Beach! With your private lanai mere short distance from the white sugar sands of one of America’s beast beaches, this home’s view will stop you in your tracks. In the beloved Reflections community, you have access to tennis/pickleball courts, a pool, spa, sauna and reservable lobby area. You have two bedrooms, two baths and 1,275 square feet of living space right on the Gulf. As you approach the building, you will park in your dedicated carport parking space. The tiled staircase will welcome you into the secure lobby. From here, you have quick access to your unit. No need to wait for the elevator because your home is the first door on the first floor- making getting home a breeze for you and your guests. Entering the home, you will immediately be swept away by the view straight to the Gulf. To your right is the kitchen with recently spruced features, including a tile backsplash, quartz countertops, newer appliances and wood-faced cabinets. There is a quaint breakfast bar in the kitchen where you can overlook the Gulf views, and beyond the kitchen there is the lovely dining area which flows seamlessly into the spacious living room. The flooring in the home is all tile and new luxury vinyl plank. To the left of the entryway is the guest bedroom and bath. The bedroom is spacious with two full-size beds and has a guest closet and locked owner’s closet. The guest bath has a bathtub/shower combination, quartzite countertop vanity and a spacious linen closet just outside the bath door. The primary bedroom has an incredible view of the beach from the large window as well as sliding glass doors to access your private, screened-in lanai. The primary en-suite bath has dual vanities with quartzite countertops, a walk in-closet, and a pocket-door entry into the separated walk-in shower and water closet. Just outside the entrance to the spacious primary bedroom is a dedicated laundry room with newer stackable washer and dryer. This is also where you’ll find the updated 2020 electrical panel and 2020 Trane HV/AC unit. All windows in the home have tasteful plantation shutters. The sliding glass doors have been upgraded to be hurricane impact rated. Plus, you have electric hurricane shutters to cover the back windows and lanai. Speaking of the lanai, it’s just a few steps down to a paved patio right on the sand. To the right, you are near to the building’s private beach access. Around the corner is the community pool, hot tub, and pickleball/tennis courts. There is a two-week rental minimum in this complex and ground-floor units are desired by guests and owners alike. All special assessments have been paid, and work is estimated to be completed by end of May! The furniture in the unit is optional in the purchase, making the home turnkey. Indian Rocks Beach boasts 26 public beach accesses and some of the best beaches in the country. You are across the street from Indian Rocks Nature Preserve on the intracoastal, blocks away from local eateries such as Guppy’s, Crabby Bill’s and The Grove Coffee Shop. You’re 25 minutes to St. Pete-Clearwater Airport, 40 to Tampa International Airport, 14 to Clearwater Beach, 35 to downtown St. Petersburg and seconds from your toes hitting the white sand of the Gulf Coast. This property is a star with a ground-floor, end unit with carport and shared storage closet. Schedule a private showing. Floor plan and video available.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,275
Sqft
2 ac
Lot size
1981
Year built
One
Levels
$725
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.
$7,266 /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
$7,266/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
+163%
$/sqft vs Indian Rocks Beach actives
$725 vs $616
Days on market
87 vs 48 typical
Where $725/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
$953K → $781K
Indian Rocks Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
47 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 32% 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 900 GULF BLVD UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$725,000
900 GULF BOULEVARD UNIT 702 · same community
2 bd · 2 ba · 1,275 sqft · $569/sqft · 45 DOM
Sold · Jun ’26$1,020,000
102 GULF BOULEVARD UNIT 401
2 bd · 2 ba · 1,279 sqft · $797/sqft · 21 DOM
Sold · Sep ’25$73,000
15010 113TH AVENUE UNIT 54
2 bd · 2 ba · 1,248 sqft · $58/sqft · 1 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 900 GULF BLVD UNIT 104 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 900 GULF BLVD UNIT 104 — 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
900 GULF BLVD UNIT 104 FAQs
What would the monthly payment be for 900 GULF BLVD UNIT 104?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,266/mo — principal and interest, the actual property-tax bill, the $982/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 900 GULF BLVD UNIT 104?+
The association fee works out to $982 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 900 GULF BLVD UNIT 104?+
The most recent tax bill on record (2025) was $9,434. 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 900 GULF BLVD UNIT 104?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $925,000, this home is listed about 30% 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 900 GULF BLVD UNIT 104?+
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
Four things that matter here
01Positioned at the premium end
$925,000 runs 32% above the INDIAN ROCKS BEACH 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.
03Know the monthly fee
The association fee is $982/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTL REALTY · Savannah Wyker, P.a.. MLS #TB8505809.
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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