109 16TH AVENUE UNIT 3, INDIAN ROCKS BEACH, FL, 33785
Pending42 days on marketListed Jun 24, 2026MLS #TB8521261
About this home
109 16TH AVENUE UNIT 3
Welcome to your own slice of paradise in the heart of Indian Rocks Beach. Just two short blocks from the sugar-sand shoreline and sparkling Gulf waters, this beautifully reimagined 1-bedroom, 1-bath residence offers the perfect blend of modern comfort and laid-back coastal living. Completely remodeled from top to bottom, this spacious retreat features updated electrical, luxury flooring, a stunning new kitchen with stylish cabinetry, backsplash, and appliances, an elegantly renovated bathroom, designer lighting, and thoughtful finishes throughout. Every detail has been carefully selected to create a bright, inviting space that feels both sophisticated and effortlessly beachy. Step outside and discover a rare 3,000-square-foot garden oasis, providing a peaceful tropical setting for morning coffee, evening cocktails, or relaxing with your furry companion. Pet-friendly and welcoming, this property offers the perfect sanctuary for full-time residents, seasonal owners, or anyone seeking an easygoing beach lifestyle. Enjoy the convenience of a new roof installed in 2023, dedicated parking plus guest parking, and nearby pickleball courts for active outdoor fun. Leave the car behind and stroll to some of Indian Rocks Beach's most beloved local restaurants, cafés, parks, and entertainment venues. Experience the charm of a true beach town where friendly neighbors, community events, sunset gatherings, and waterfront festivals create an unmatched sense of place. Imagine beginning your mornings with a walk along the shoreline, listening to the soothing rhythm of the waves, spending afternoons exploring local shops and waterfront dining, and ending each day with breathtaking Gulf sunsets. Whether you're searching for a personal coastal retreat, a winter escape, or a carefree beach residence, this move-in-ready gem delivers the quintessential Indian Rocks Beach lifestyle you've been dreaming of. Coastal charm, modern updates, tropical surroundings, and an unbeatable location—this is beach living at its finest!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
712
Sqft
0.33 ac
Lot size
1974
Year built
One
Levels
$471
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.
$3,290 /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
$3,290/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
+130.8%
$/sqft vs Indian Rocks Beach actives
$471 vs $630
Days on market
42 vs 68 typical
Where $471/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)
46 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 53% 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 109 16TH AVENUE UNIT 3
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$115,000
14130 ROSEMARY LANE UNIT 6107
1 bd · 1.5 ba · 725 sqft · $159/sqft · 60 DOM
Sold · Feb ’26$125,500
14130 ROSEMARY LANE UNIT 1202
1 bd · 1.5 ba · 725 sqft · $173/sqft · 69 DOM
Sold · Nov ’25$141,000
14130 ROSEMARY LANE UNIT 1207
1 bd · 1.5 ba · 725 sqft · $194/sqft · 59 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 109 16TH AVENUE UNIT 3 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 16TH AVENUE UNIT 3 — 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
109 16TH AVENUE UNIT 3 FAQs
What would the monthly payment be for 109 16TH AVENUE UNIT 3?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,290/mo — principal and interest, the actual property-tax bill, the $752/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 109 16TH AVENUE UNIT 3?+
The association fee works out to $752 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 109 16TH AVENUE UNIT 3?+
The most recent tax bill on record (2025) was $3,092. 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 109 16TH AVENUE UNIT 3?+
The listing reports pets: Breed Restrictions, Dogs OK, Number Limit, 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 $335,000, this home is listed about 55% 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 109 16TH AVENUE UNIT 3?+
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
$335,000 is 53% below the INDIAN ROCKS BEACH 33785 median of $715,000, and at $471/sqft it sits under the Indian Rocks Beach average of $670.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $752/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.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Adrienne Dauses. MLS #TB8521261.
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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