David Ramirez
Pending
$450,000≈$3,216 /mo all-in ↓

202 12TH AVENUE, INDIAN ROCKS BEACH, FL, 33785

Pending42 days on marketListed Jun 22, 2026MLS #TB8522109

✦ Priced 36% below the INDIAN ROCKS BEACH 33785 medianINDIAN BEACH RE-REVISED 1ST ADD

About this home

202 12TH AVENUE

Located on a corner lot just one block from the 12th Ave Beach Access of Indian Rocks Beach, this 3-bedroom, 2-bathroom home offers the chance to create your ideal coastal retreat in one of Tampa Bay's most beloved beach communities. Whether you choose to renovate the existing home or design your own and build new, the property offers excellent potential and flexibility. A Building Value Reconsideration completed provides a remodeling limit of $121,512, allowing for significant improvements to the existing structure, which has a 2024 roof and updated plumbing. Florida Native & drought-resistant flowering plants, including "beach sunflower," add to the property's charm. Enjoy the laid-back lifestyle of small-town beach life with nearby local restaurants, shops, parks, boating, and the white sands of Indian Rocks Beach. Bring your vision and take advantage of the opportunity to own a piece of paradise on Florida's Gulf Coast!

Facts & features

The home at a glance

0.11 ac

Lot size

Inside

Outside & construction

FacesSouth

Community & fees

Taxes (2025)$2,492/yr
CommunityDog Park · Golf Carts OK · Park · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Available · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,216 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property tax — 2025 actual bill$208
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,750Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $15,750
Interest rate6.00%
Loan term

Estimated payment

$3,216/mo

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property taxes (actual bill)$208
Est. insurance$160

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.

Where it sits

Inside Indian Rocks

Map of 202 12TH AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa≈ 40 min
Tampa Int’l Airport (TPA)≈ 40 min

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

ElementaryAnona Elementary School★★★★★
HighLargo High School★★★★★
MiddleSeminole Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Indian Rocks Beach market

Seller’s marketBalanced — 7.0 months of inventoryBuyer’s market

$950K → $755K

Indian Rocks Beach median sold, yr/yr

94.2%

Sale-to-list ratio (12 mo)

Median sold price, Indian Rocks Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 36% below the INDIAN ROCKS BEACH 33785 median. See the full Indian Rocks Beach market guide →

Paper trail

This home's history

Jun 22, 2026Listed at $450,000 · 42 days on market since

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 202 12TH AVENUE — start here.

CallText
david.ramirez@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 202 12TH AVENUE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

202 12TH AVENUE FAQs

What would the monthly payment be for 202 12TH AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,216/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 202 12TH AVENUE?+

The most recent tax bill on record (2025) was $2,492. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Indian Rocks Beach?+

At $450,000, this home is listed about 40% 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 202 12TH 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.

Listing courtesy of CENTURY 21 BEGGINS · Christopher Everett. MLS #TB8522109.

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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