468 20TH AVENUE, INDIAN ROCKS BEACH, FL, 33785
Active60 days on marketListed Jun 5, 2026MLS #TB8513222
About this home
468 20TH AVENUE
ANNUAL RENTAL - Single family Home with Boat Lift. Experience Island living in Indian Rocks Beach. Completely Renovated after Hurricane Helene! More than a 3-bedroom, 2-bath residence, this home is a private coastal retreat designed for effortless entertaining and unforgettable memories. At the center of the home, you are overlooking the Intracoastal Waters out your Glass Doors and Windows, creating a natural gathering place for family and guests alike. A thoughtfully designed split-bedroom layout provides exceptional privacy. Step outside and discover your own waterfront paradise. A private Dock with a 13000-pound boat lift is ready for your vessel, while the expansive waterfront patio offers a front-row seat to the dazzling beauty of the water. The property has a Washer & Dryer in the 1 car Garage. This exceptional location is surrounded by Single family homes, delivering an unmatched blend of privacy, boating convenience, and coastal elegance. No Smoking.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,754
Sqft
0.14 ac
Lot size
1
Garage
1955
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$196 /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
$196/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Indian Rocks Beach actives
$3 vs $617
Days on market
60 vs 66 typical
Where $3/sqft sits among the 88 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
$950K → $755K
Indian Rocks Beach median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
47 of 88
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 99% 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 468 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 · Sep ’25$1,400,000
464 20TH AVENUE · same community
4 bd · 3 ba · 1,748 sqft · $801/sqft · 74 DOM
Sold · Dec ’25$1,415,000
454 20TH AVENUE · same community
3 bd · 2 ba · 1,607 sqft · $881/sqft · 42 DOM
Sold · Jun ’26$650,000
12240 143RD STREET
3 bd · 3 ba · 1,632 sqft · $398/sqft · 0 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 468 20TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 468 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
468 20TH AVENUE FAQs
What would the monthly payment be for 468 20TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $196/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 468 20TH AVENUE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $4,995, this home is listed about 99% below the Indian Rocks Beach median of $749,000. The market section on this page shows how the area is trending.
Which schools are assigned to 468 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
01Under the INDIAN ROCKS BEACH 33785 market on paper
$4,995 is 99% below the INDIAN ROCKS BEACH 33785 median of $707,450, and at $3/sqft it sits under the Indian Rocks Beach average of $673.
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 TOTAL REALTY SERVICES INC · Fatima Rapuano. MLS #TB8513222.
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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