1207 1ST STREET, INDIAN ROCKS BEACH, FL, 33785
Active67 days on marketListed May 31, 2026MLS #TB8513968
About this home
1207 1ST STREET
One or more photo(s) has been virtually staged. Welcome to 1207 1st St, Indian Rocks Beach, a beautifully renovated 2-bedroom, 2-bathroom coastal retreat located in the heart of one of the Gulf Coast’s most desirable beach communities, just 400 yards from the beach. Built with concrete block construction, this home offers both quality and peace of mind in a prime beach-area location. Completely remodeled in 2024 and further updated again in 2025, new 2.5 ton AC unit installed July 2026, the home features a bright open floor plan, a brand-new kitchen with new cabinetry, stone countertops, stainless steel appliances, updated bathrooms, new flooring, fresh interior paint, and stylish modern finishes throughout. The home is being sold fully furnished, including smallwares, linens, and towels, making it truly turnkey and ready for immediate occupancy or vacation rental use. Step outside to enjoy the newly finished paver patio and low-maintenance outdoor living space. The exterior landscaping consists of pavers and shell, creating an attractive coastal look with very minimal upkeep — perfect for owners, guests, or vacation rental operations. Situated just minutes from Indian Rocks Beach Park, residents and guests can enjoy convenient access to pickleball courts, basketball courts, a playground, baseball field, and skate park. The property is also close to public beach access along the Gulf of America, making it easy to enjoy the sand, sunsets, and relaxed coastal lifestyle that Indian Rocks Beach is known for. With no rental restrictions, this home offers excellent flexibility as a short-term vacation rental, seasonal getaway, or primary residence. Indian Rocks Beach offers a charming, laid-back beach town atmosphere with local restaurants, nightlife, entertainment, boutique shops, and waterfront dining nearby. Plus, you are just a short drive from Clearwater Beach, offering even more dining, boating, entertainment, and world-famous beach attractions. A rare opportunity to own a fully updated, fully furnished concrete block beach-area property in a highly sought-after location with strong lifestyle and rental appeal.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,148
Sqft
0.11 ac
Lot size
1953
Year built
One
Levels
$579
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.
$4,813 /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
$4,813/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
+32.4%
$/sqft vs Indian Rocks Beach actives
$579 vs $630
Days on market
67 vs 68 typical
Where $579/sqft sits among the 86 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)
45 of 86
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 7% 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 1207 1ST STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$675,000
127 11TH AVENUE · same community
3 bd · 2 ba · 1,092 sqft · $618/sqft · 28 DOM
Sold · Sep ’25$400,000
111 12TH AVENUE · same community
3 bd · 2 ba · 1,208 sqft · $331/sqft · 43 DOM
Sold · May ’26$817,200
1211 BAY PINE BOULEVARD · same community
3 bd · 2 ba · 1,232 sqft · $663/sqft · 62 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 1207 1ST STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1207 1ST STREET — 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
1207 1ST STREET FAQs
What would the monthly payment be for 1207 1ST STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,813/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 1207 1ST STREET?+
The most recent tax bill on record (2025) was $9,779. 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 1207 1ST STREET?+
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 $665,000, this home is listed about 11% 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 1207 1ST STREET?+
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
01Under the INDIAN ROCKS BEACH 33785 market on paper
$665,000 is 7% below the INDIAN ROCKS BEACH 33785 median of $715,000, and at $579/sqft it sits under the Indian Rocks Beach average of $673.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
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.
04The price has already moved
Listed at $699,000, now $665,000 — a $34K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DOUGLAS ELLIMAN · Mike Daquino. MLS #TB8513968.
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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