603 GARLAND CIRCLE, INDIAN ROCKS BEACH, FL, 33785
Active52 days on marketListed Jun 13, 2026MLS #TB8519050
About this home
603 GARLAND CIRCLE
Nestled within the desirable Curlew Landings South community, this thoughtfully renovated townhome has been beautifully maintained and is move-in ready. The tiled covered entry with double French doors opens to a bright and inviting coastal retreat. The first floor features a welcoming foyer and versatile bonus room leading to a private tropical backyard, a rare feature for a beach townhome. Enjoy outdoor living on the covered patio with a grill area, perfect for relaxing or entertaining. The garage provides excellent storage and a new hurricane-rated impact door. Inside, wide-plank luxury vinyl flooring adds durability and coastal style. The main living level showcases an open-concept layout with abundant natural light. The remodeled kitchen includes two-tone quartz countertops, soft-close cabinetry, new Frigidaire stainless steel appliances, and a glass tile backsplash. The living and dining areas feature skylights and sliding glass doors opening to a deck overlooking a peaceful nature preserve for privacy and serene views. The second floor hosts a primary suite with en-suite bath, while the top level offers a second primary suite with balcony, a third bedroom, a second bath, and a laundry closet for convenience. Additional upgrades include hurricane-impact windows and doors throughout. Just a short stroll from the beach, this townhome is perfect as a primary residence, vacation home, or seasonal getaway. Community amenities include a resort-style pool and sundeck, tennis/pickleball courts, and a kayak launch. The association is rebuilding and replacing all balconies, and the $20,000 special assessment has been paid in full, providing peace of mind for the next owner. Experience the best of Indian Rocks Beach coastal living, stylish, low-maintenance, and steps from the sand. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,566
Sqft
0.03 ac
Lot size
1
Garage
1994
Year built
Three Or More
Levels
$306
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.
$4,682 /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
$4,682/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
−14.7%
$/sqft vs Indian Rocks Beach actives
$306 vs $630
Days on market
52 vs 66 typical
Where $306/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 32% 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 603 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 · Jun ’26$680,000
641 GARLAND CIRCLE · same community
3 bd · 2 ba · 1,566 sqft · $434/sqft · 97 DOM
Sold · Jul ’26$410,000
524 GARLAND CIRCLE · same community
3 bd · 2 ba · 1,566 sqft · $262/sqft · 226 DOM
Sold · Apr ’26$410,000
616 GARLAND CIRCLE · same community
2 bd · 2 ba · 1,465 sqft · $280/sqft · 261 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 603 GARLAND CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 603 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
603 GARLAND CIRCLE FAQs
What would the monthly payment be for 603 GARLAND CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,682/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 603 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 603 GARLAND CIRCLE?+
The most recent tax bill on record (2025) was $7,104. 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 603 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 $479,000, this home is listed about 36% 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 603 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
Four things that matter here
01Under the INDIAN ROCKS BEACH 33785 market on paper
$479,000 is 32% below the INDIAN ROCKS BEACH 33785 median of $707,450, and at $306/sqft it sits under the Indian Rocks Beach average of $673.
02Know 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.
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 $499,000, now $479,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SUNSET REALTY GROUP · Monica McWilliams. MLS #TB8519050.
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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