20040 GULF BOULEVARD UNIT 402, INDIAN ROCKS BEACH, FL, 33785
Active41 days on marketListed Jun 25, 2026MLS #TB8521359
About this home
20040 GULF BOULEVARD UNIT 402
Step into coastal elegance in this beautifully updated 3-bedroom condo on Gulf Boulevard. Bright, open living spaces flow seamlessly toward beach views and a private balcony where you can relax with morning coffee or unwind after a day at the beach. The open layout and furniture give the space a fresh and modern feel. The kitchen and bathrooms are stylishly finished, complemented by spacious bedrooms. Enjoy resort style amenities, secure building, and unbeatable walkability to dining, shopping, and the shoreline. This unit with tasteful updates, a prime location, and a turnkey interior, delivers strong value in one of the most sought-after coastal corridors. Perfect as a full-time residence, seasonal getaway, or income-producing rental in a prime location. New A/C installed in 2025, ensuring year-round comfort.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,235
Sqft
0 ac
Lot size
1981
Year built
One
Levels
$1,052
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.
$8,845 /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
$8,845/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
+28.2%
$/sqft vs Indian Rocks Beach actives
$1,052 vs $617
Days on market
41 vs 68 typical
Where $1,052/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 Beach
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 BEACH 33785 — neighborhood snapshot
Population
4,871
Median age
58.1
Median income
$98,750
Median home value
$689,500
Avg household
1.94
Households w/ children
193
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 84% above 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 20040 GULF BOULEVARD UNIT 402
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$1,200,000
20040 GULF BOULEVARD UNIT 605 · same community
3 bd · 2 ba · 1,280 sqft · $938/sqft · 71 DOM
Sold · Aug ’25$975,000
20002 GULF BOULEVARD UNIT 2604 · same community
3 bd · 2 ba · 1,180 sqft · $826/sqft · 206 DOM
Sold · May ’26$1,035,000
20002 GULF BOULEVARD UNIT 2705 · same community
3 bd · 2 ba · 1,180 sqft · $877/sqft · 7 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 20040 GULF BOULEVARD UNIT 402 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20040 GULF BOULEVARD UNIT 402 — 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
20040 GULF BOULEVARD UNIT 402 FAQs
What would the monthly payment be for 20040 GULF BOULEVARD UNIT 402?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,845/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 20040 GULF BOULEVARD UNIT 402?+
The most recent tax bill on record (2025) was $14,266. 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 20040 GULF BOULEVARD UNIT 402?+
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 $1,299,000, this home is listed about 73% above 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 20040 GULF BOULEVARD UNIT 402?+
Seminole Middle School (middle), Bauder Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,299,000 runs 84% above the INDIAN ROCKS BEACH 33785 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Seminole Middle School, Bauder Elementary School, Richard O Jacobson Technical High School At Seminole — Bauder Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Leroy Hunton. MLS #TB8521359.
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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