David Ramirez
$925,0002 bd2 ba1,275 sqft$725 /sqft$7,266 /mo all-in ↓

900 GULF BLVD UNIT 104, INDIAN ROCKS BEACH, FL, 33785

Active87 days on marketListed May 7, 2026MLS #TB8505809

WaterfrontCondominiumREFLECTIONS ON THE GULF CONDO

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

WaterfrontWater viewNegotiablePets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · Elevator · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofBuilt-Up
ConstructionBlock · Stucco
FoundationCrawlspace · Pillar/Post/Pier · Slab
ViewWater
FacesEast
ParkingAssigned · Covered · Ground Level · Guest · Reserved
ExteriorHurricane Shutters · Lighting · Sliding Doors · Storage

Community & fees

HOA fee$982/mo
Taxes (2025)$9,434/yr
PetsCats OK, Dogs OK, Number Limit, Size Limit, Yes
CommunityGulf/Ocean Front · Water Access · Waterfront · Buyer Approval Required · Pool · Special Community Restrictions · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Street Lights · Water Connected
WaterPublic

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%

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property tax — 2025 actual bill$786
Condo fee — from the listing$982
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $92,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $92,500
Interest rate6.00%
Loan term

Estimated payment

$7,266/mo

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property taxes (actual bill)$786
HOA / condo fee$982
Est. insurance$160

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.

List $925K
$304KedgeAI estimate $351,648 · range $317K$439K$962K

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

22
26
18 · this home
9
7
5
$304–478$478–653$653–827$827–1002$1002–1177$1177+

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

Map of 900 GULF BLVD UNIT 104 inside its neighborhood boundary

Drive times from this address

Downtown Tampa38 min
Tampa Int’l Airport (TPA)38 min

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

ElementaryAnona Elementary School★★★★
HighLargo High School★★★★★
MiddleSeminole Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Indian Rocks Beach market

Seller’s marketLeans buyer10.5 months of inventoryBuyer’s 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

May 7, 2026Listed at $925,000 · 87 days on market since
1981Built · REFLECTIONS ON THE GULF CONDO

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.

900 GULF BOULEVARD UNIT 702Sold · Jul ’26

$725,000

900 GULF BOULEVARD UNIT 702 · same community

2 bd · 2 ba · 1,275 sqft · $569/sqft · 45 DOM

102 GULF BOULEVARD UNIT 401Sold · Jun ’26

$1,020,000

102 GULF BOULEVARD UNIT 401

2 bd · 2 ba · 1,279 sqft · $797/sqft · 21 DOM

15010 113TH AVENUE UNIT 54Sold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 900 GULF BLVD UNIT 104 — start here.

Andrew Acosta

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.

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.

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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