
466 20TH AVENUE, INDIAN ROCKS BEACH, FL, 33785
Active3 days on marketListed Jul 30, 2026MLS #TB8534296
Come see it
Upcoming open house
Sun, Aug 2
1:00 PM – 4:00 PM
Join us Sunday from 1 to 4 PM to tour this exceptional, elevated waterfront property on IRB. Beautiful manicured lawns, sophisticated updates, and relaxing environs define this outstanding residence. Excellent opportunity for a primary or vacation home with income potential!
About this home
466 20TH AVENUE
Sleek, sophisticated and impeccably renovated, this coastal residence defines timeless elegance in an idyllic private setting. Be impressed by panoramic water views over a highly desired protected cove, and a resort style pool and spa with water features that emulate one’s own sanctuary of privacy and enjoyment. Completely reimagined in 2023, the elevated residence provides a balanced, refined floor plan with an additional climate-controlled ground level bonus area of over 800 Sq. Ft., not included in the heated square footage, offering an impressive 3,800+ total square foot living space. Wrought iron scrolls enhance a glass double door entry, seamlessly blending indoor visibility with timeless architecture creating a stunning first impression. Designed for the most selective host, the main floor flows seamlessly from the inviting living, dining, and kitchen areas to a covered outdoor terrace overlooking the backyard paradise. A true masterpiece of design, the sleek and modern kitchen with European flair boasts a wrap-around mitered window maximizing waterfront panoramas. A waterfall quartz countertop drapes the center island, while the high-end, slab-finish cabinetry frames the walls – complete with push-to-open functionality and integrated pull-out drawers. Culinary performance shines with a gas-powered JennAir 48-inch 6-burner cooktop with grill function, and double oven, range hood, 3-in-1 microwave with air fryer and convection oven functions, anchored by a top-of-the-line, stainless KitchenAid refrigerator. Adjacent to the kitchen, a utility room featuring a coffee bar, expanded pantry storage, wine cooler, and the added convenience of a washer and dryer underscores the ingenious approach to the home’s functional layout. The serene primary suite highlights water views, with private access to the outdoor terrace, a large walk-in closet, and a luxurious ensuite bathroom with a floating dual-sink vanity, massive wall-to-wall shower, all enhanced by accent lighting. Completing this level are an additional bedroom, guest bathroom, and a versatile den area—perfect for families with varied interests. Downstairs, escape the heat from the comfort of an oversized, temperature-controlled bonus area measuring approximately 18 x 47 feet, complemented by attractive wood-look ceramic tile. Sensational heated pool and spa offer a shallow, versatile in-water platform creating a sophisticated, architectural look and allows for easy access to a private dock with low-maintenance Trex decking and a 10,000-lb boat lift. Relax as you watch the dolphins play, or sunbathe in the warm coastal sun. Just two blocks 2 miles of pristine Beaches and the Gulf, this is a perfect location in Indian Rocks Beach, a very desirable seaside community, offering miles of pristine beaches, shopping, dining, and recreational activities with easy accessibility to neighboring St Pete, Tampa, and Clearwater.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,660
Sqft
0.13 ac
Lot size
2
Garage
1985
Year built
Two
Levels
$1,009
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.
$10,606 /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
$10,606/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.
$/sqft vs Indian Rocks Beach actives
$1,009 vs $616
Days on market
3 vs 48 typical
Where $1,009/sqft sits among the 87 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)
47 of 87
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 139% 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 466 20TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,415,000
454 20TH AVENUE · same community
3 bd · 2 ba · 1,607 sqft · $881/sqft · 42 DOM
Sold · Sep ’25$1,400,000
464 20TH AVENUE · same community
4 bd · 3 ba · 1,748 sqft · $801/sqft · 74 DOM
Sold · Jun ’26$650,000
12240 143RD STREET
3 bd · 3 ba · 1,632 sqft · $398/sqft · 0 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 466 20TH AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 466 20TH AVENUE — 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
466 20TH AVENUE FAQs
What would the monthly payment be for 466 20TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,606/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 466 20TH AVENUE?+
The most recent tax bill on record (2025) was $9,358. 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 466 20TH AVENUE?+
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 $1,675,000, this home is listed about 135% 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 466 20TH 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.
The brief
Four things that matter here
01Positioned at the premium end
$1,675,000 runs 139% above the INDIAN ROCKS BEACH 33785 median — but at 1,660 sqft it's also 28% larger than 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 3 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 COASTAL PROPERTIES GROUP INTERNATIONAL · Julie Folden. MLS #TB8534296.
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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