19823 GULF BOULEVARD UNIT 45, INDIAN SHORES, FL, 33785
Active76 days on marketListed May 26, 2026MLS #TB8509058
About this home
19823 GULF BOULEVARD UNIT 45
At most Florida beach condos, $500 a month doesn't cover flood insurance alone. At unit #45 of Sea Shell in Indian Shores, it covers so much more: cable, internet, water, sewer, trash, flood insurance, and grounds maintenance. Next, add legal short-term rentals with 1-7 day zoning, plus two dedicated parking spaces directly out front of this rare, ground-level unit. Steps to the Gulf of Mexico. Steps to the Intracoastal. Residents and guests enjoy a pool, dock and fishing pier, and the location is truly walkable. Inside, everything is new: LVP flooring throughout, all new appliances including range, microwave, refrigerator, washer and dryer. Roof replaced 2025. HVAC and water heater installed 2026. All work permitted and completed by a licensed contractor. No milestone or SIRS requirements. A well-managed association that is easy to communicate with. The second bedroom is configured as a pass-through from the primary; flexible for guests, a dedicated home office, or whatever your rental strategy requires. Out-of-state buyer? The same designer who furnished the prior Airbnb is available to help you hit the ground running.This is what a smart beach acquisition looks like. Whether you're buying for personal use, short-term rental income, or both, 19823 Gulf Blvd #45 makes the financial case for itself that is nearly impossible to find anywhere else on this coastline.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
711
Sqft
1.02 ac
Lot size
1980
Year built
One
Levels
$547
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.
$3,616 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,616/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−2.3%
$/sqft vs Indian Shores actives
$547 vs $568
Days on market
76 vs 90 typical
Where $547/sqft sits among the 86 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)
40 of 86
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% below the INDIAN SHORES 33785 median. See the full Indian Shores market guide →
Paper trail
This home's history
Reality check
What actually sold near 19823 GULF BOULEVARD UNIT 45
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$435,000
19823 GULF BOULEVARD UNIT 44 · same community
3 bd · 1.5 ba · 910 sqft · $478/sqft · 49 DOM
Sold · Dec ’25$506,250
19823 GULF BOULEVARD UNIT 5 · same community
2 bd · 2.5 ba · 1,225 sqft · $413/sqft · 41 DOM
Sold · May ’26$465,000
19823 GULF BOULEVARD UNIT 33 · same community
2 bd · 2.5 ba · 1,225 sqft · $380/sqft · 166 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 19823 GULF BOULEVARD UNIT 45 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19823 GULF BOULEVARD UNIT 45 — 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
19823 GULF BOULEVARD UNIT 45 FAQs
What would the monthly payment be for 19823 GULF BOULEVARD UNIT 45?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,616/mo — principal and interest, the actual property-tax bill, the $500/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 19823 GULF BOULEVARD UNIT 45?+
The association fee works out to $500 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19823 GULF BOULEVARD UNIT 45?+
The most recent tax bill on record (2025) was $5,922. 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 19823 GULF BOULEVARD UNIT 45?+
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 $389,000, this home is listed about 41% below the Indian Shores median of $664,500. The market section on this page shows how the area is trending.
Which schools are assigned to 19823 GULF BOULEVARD UNIT 45?+
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
Five things that matter here
01Under the INDIAN SHORES 33785 market on paper
$389,000 is 46% below the INDIAN SHORES 33785 median of $725,000, and at $547/sqft it sits under the Indian Shores average of $683.
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 $500/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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.
05The price has already moved
Listed at $425,000, now $389,000 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Beth Silverman. MLS #TB8509058.
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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