526 20TH AVENUE, INDIAN ROCKS BEACH, FL, 33785
Active74 days on marketListed May 20, 2026MLS #TB8510307
About this home
526 20TH AVENUE
Virtually Staged. Experience the pinnacle of waterfront living at 526 20th Ave, a rare Intracoastal gem tucked away at the quiet end of a cul-de-sac in one of Indian Rocks Beach’s most desirable enclaves. This property offers a unique “choose your own adventure” opportunity: move into the beautifully updated bungalow and enjoy the views immediately, or execute tentatively approved plans to nearly double your living space. Indian Rocks Beach offers the perfect blend of relaxed “Old Florida” charm and upscale coastal living. Just a short stroll from your front door are the pristine white sands of the Gulf of Mexico, breathtaking sunsets, eclectic boutiques, and award-winning local dining. Enjoy a walkable lifestyle in a close-knit beach community known for its laid-back atmosphere and strong vacation appeal. Unlike narrow finger canals, this property sits directly on the open Intracoastal Waterway with expansive north and south water views. Enjoy direct Gulf access from your backyard, ideal for sunset cruises or deep-sea fishing. A private 10,000-lb boat lift keeps your vessel secure and ready at a moment’s notice. Watch dolphins and manatees from your backyard or relax in the hot tub while enjoying the annual holiday boat parade and local regattas. Nearly every room in the home captures magnificent unobstructed water views. The single-level interior has been meticulously updated for effortless, low-maintenance living. The gourmet kitchen features a 9-foot quartz island, soft-close cabinetry, and a new 8-foot impact-resistant picture window. Premium JennAir induction cooktop and dishwasher are complemented by an LG refrigerator and microwave. Every bathroom has been completely remodeled with sophisticated finishes and contemporary vanities. Durable luxury vinyl plank flooring throughout provides true “no-stairs, no-stress” living. Step outside to a newly paved waterfront deck and adjustable louvered pergola designed for the perfect balance of sun and shade. Hurricane-impact windows throughout provide peace of mind, energy efficiency, and storm protection. This property also offers exceptional flexibility and investment potential. The city has tentatively approved plans for an attached ADU expansion adding nearly 1,700 additional square feet plus a two-car garage without removing the existing structure. Preliminary floor plans and elevations are included in the photos. With designer upgrades, a private boat lift, and a premier waterfront location, this home is ideally suited as a luxury primary residence, vacation retreat, or high-performing short-term rental opportunity. No HOA fees, favorable Pinellas County taxes, and a peaceful setting surrounded by multi-million-dollar homes complete this extraordinary waterfront offering.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,107
Sqft
0.14 ac
Lot size
1
Garage
1960
Year built
One
Levels
$1,155
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.
$8,004 /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
$8,004/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
+221.7%
$/sqft vs Indian Rocks Beach actives
$1,155 vs $616
Days on market
74 vs 48 typical
Where $1,155/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 81% 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 526 20TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$939,026
501 20TH AVENUE · same community
2 bd · 2 ba · 1,342 sqft · $700/sqft · 3 DOM
Sold · Dec ’25$783,000
521 20TH AVENUE · same community
2 bd · 2 ba · 1,460 sqft · $536/sqft · 4 DOM
Sold · Feb ’26$1,130,000
500 20TH AVENUE · same community
2 bd · 2 ba · 1,551 sqft · $729/sqft · 227 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 526 20TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 526 20TH AVENUE — 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
526 20TH AVENUE FAQs
What would the monthly payment be for 526 20TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,004/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 526 20TH AVENUE?+
The most recent tax bill on record (2025) was $5,554. 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 526 20TH AVENUE?+
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 $1,279,000, this home is listed about 80% 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 526 20TH AVENUE?+
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
$1,279,000 runs 81% 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.
03Strong 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 LPT REALTY, LLC · Robert Mitchell II. MLS #TB8510307.
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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