2308 BEACH TRAIL, INDIAN ROCKS BEACH, FL, 33785
Active2 days on marketListed Jul 23, 2026MLS #TB8532303
About this home
2308 BEACH TRAIL
Rare Gulf-Front Opportunity on Coveted Beach Trail in Indian Rocks Beach! Discover an extraordinary beachfront retreat where timeless coastal elegance meets exceptional investment potential. Perfectly positioned directly on the Gulf, this exceptional estate offers a beautifully designed 3-bedroom, 2-bath main residence complemented by a detached 1-bedroom, 1-bath guest house, creating endless possibilities as a luxury primary residence, vacation home, or highly successful income-producing property. A proven favorite among VRBO guests, this home has built a strong reputation as a sought-after beachfront getaway, generating impressive rental demand thanks to its premier location, spacious layout, and resort-style amenities. Designed to capture panoramic Gulf views from the moment you step inside, the open-concept floor plan centers around a chef-inspired kitchen featuring two oversized islands, stainless steel appliances, a wine refrigerator, abundant storage, and seamless flow into the spacious family room. A separate formal dining room provides the perfect setting for entertaining. Outside, your private beachfront oasis awaits. Lounge beside the sparkling pool and spa, prepare meals in the fully equipped outdoor kitchen, challenge friends on the putting green, gather around the firepit beneath the stars, or simply step directly onto the sugar-white sands of the Gulf of Mexico. The thoughtfully designed split-bedroom floor plan offers privacy for family and guests, highlighted by a luxurious primary suite with a spa-inspired bath. The detached guest residence provides an ideal retreat for visitors or additional flexibility as a private office, in-law suite, or separate rental accommodation. Located on one of Indian Rocks Beach's most desirable streets, you're just a short stroll to local restaurants, shops, and entertainment while enjoying convenient access to the mainland via the Belleair Causeway. Whether you're seeking an exceptional beachfront lifestyle, a vacation retreat, or a property with an established history of strong short-term rental performance and repeat VRBO guests, this rare Gulf-front offering delivers the best of both worlds.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,806
Sqft
0.2 ac
Lot size
2
Garage
1968
Year built
Two
Levels
$1,550
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.
$29,966 /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
$29,966/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
+242.3%
$/sqft vs Indian Rocks Beach actives
$1,550 vs $594
Days on market
2 vs 48 typical
Where $1,550/sqft sits among the 92 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
$953K → $781K
Indian Rocks Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
49 of 92
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 522% 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 2308 BEACH TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$4,037,000
1600 BEACH TRAIL · same community
6 bd · 4 ba · 3,100 sqft · $1,302/sqft · 212 DOM
Sold · Nov ’25$1,400,000
204 21ST AVENUE · same community
4 bd · 3 ba · 2,188 sqft · $640/sqft · 8 DOM
Sold · Mar ’26$780,000
202 18TH AVENUE · same community
3 bd · 2.5 ba · 1,546 sqft · $505/sqft · 217 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 2308 BEACH TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2308 BEACH TRAIL — 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
2308 BEACH TRAIL FAQs
What would the monthly payment be for 2308 BEACH TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $29,966/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 2308 BEACH TRAIL?+
The most recent tax bill on record (2025) was $56,424. 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 $4,350,000, this home is listed about 511% above the Indian Rocks Beach median of $712,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2308 BEACH TRAIL?+
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
01Positioned at the premium end
$4,350,000 runs 522% above the INDIAN ROCKS BEACH 33785 median — but at 2,806 sqft it's also nearly twice the size of the typical Indian Rocks Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Indian Rocks Beach market that averages 48 — if it fits, move quickly.
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 COLDWELL BANKER REALTY · Martha Thorn. MLS #TB8532303.
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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