643 GARLAND CIRCLE, INDIAN ROCKS BEACH, FL, 33785
Active59 days on marketListed May 27, 2026MLS #TB8512290
About this home
643 GARLAND CIRCLE
WATERFRONT TOWNHOME WITH DEEDED BOAT SLIP — INDIAN ROCKS BEACH, FL Boater’s dream and beach lover’s delight — beautifully upgraded 2-bedroom, 2-bath townhome just two blocks from the white sands of Indian Rocks Beach and directly on the Intracoastal Waterway. This turnkey property includes a deeded boat slip with a 12,000-lb davit/master lift for easy launch to open water. Highlights: Prime waterfront location with sweeping Intracoastal views from multiple levels New exterior decks on each floor — perfect for morning coffee, sunsets, or entertaining Open interior with vaulted ceilings for an airy, light-filled living space Updated kitchen with corian countertops, newer cabinetry and appliances Low-maintenance finishes: newer carpet and tile throughout First-floor air-conditioned bonus room with generous storage — ideal for fishing, boating and beach gear Roofs were recently replaced in April 2026, providing added peace of mind Community & Lifestyle: Resort-style amenities: heated pool, hot tub, tennis courts and pickleball court Steps to beach access, dining, and recreation — excellent for primary residence, vacation getaway, or investment rental Don’t miss this rare combination of easy beach living and true waterfront boating access in Indian Rocks Beach.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,465
Sqft
0.03 ac
Lot size
1
Garage
1994
Year built
Three Or More
Levels
$437
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.
$5,392 /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
$5,392/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
+24%
$/sqft vs Indian Rocks Beach actives
$437 vs $594
Days on market
59 vs 48 typical
Where $437/sqft sits among the 92 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)
48 of 92
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 9% below 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 643 GARLAND CIRCLE
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$410,000
616 GARLAND CIRCLE · same community
2 bd · 2 ba · 1,465 sqft · $280/sqft · 261 DOM
Sold · Nov ’25$542,000
657 GARLAND CIRCLE · same community
2 bd · 2 ba · 1,465 sqft · $370/sqft · 269 DOM
Sold · May ’26$484,000
669 GARLAND CIRCLE · same community
2 bd · 2 ba · 1,465 sqft · $330/sqft · 157 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 643 GARLAND CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 643 GARLAND CIRCLE — 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
643 GARLAND CIRCLE FAQs
What would the monthly payment be for 643 GARLAND CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,392/mo — principal and interest, the actual property-tax bill, the $898/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 643 GARLAND CIRCLE?+
The association fee works out to $898 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 643 GARLAND CIRCLE?+
The most recent tax bill on record (2025) was $7,690. 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 643 GARLAND CIRCLE?+
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 $640,000, this home is listed about 10% below 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 643 GARLAND CIRCLE?+
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
Five things that matter here
01Under the INDIAN ROCKS BEACH 33785 market on paper
$640,000 is 9% below the INDIAN ROCKS BEACH 33785 median of $699,900, and at $437/sqft it sits under the Indian Rocks Beach average of $633.
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 $898/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.
05The price has already moved
Listed at $679,000, now $640,000 — a $39K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MINARET REALTY · Joseph Lehman. MLS #TB8512290.
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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