1209 1ST STREET, INDIAN ROCKS BEACH, FL, 33785
Active83 days on marketListed May 14, 2026MLS #W7885789
About this home
1209 1ST STREET
Beautifully Renovated Apartment near Beach – Garage & Private Yard Live just minutes from the beautiful Beach in this fully renovated, move-in ready apartment featuring modern finishes and a spacious layout. This bright and airy home offers an open-concept living and kitchen area with stylish wood-look tile flooring, updated cabinetry, granite countertops, and stainless steel appliances. Large sliding glass doors bring in natural light and provide easy access to the outdoor space. The updated bathroom features a stunning marble-style tiled shower, modern vanity, and upgraded fixtures. Enjoy your own private fenced backyard with tropical landscaping — perfect for relaxing after a day at the beach. Conveniently located near restaurants, shopping, parks, and Gulf beaches. Enjoy coastal living in a beautifully updated home — schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
768
Sqft
0.16 ac
Lot size
1
Garage
1965
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /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
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$3 vs $630
Days on market
83 vs 68 typical
Where $3/sqft sits among the 88 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 88
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 100% 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 1209 1ST STREET
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$428,000
123 14TH AVENUE · same community
2 bd · 1.5 ba · 824 sqft · $519/sqft · 25 DOM
Sold · Apr ’26$435,000
306 12TH AVENUE · same community
2 bd · 2 ba · 702 sqft · $620/sqft · 38 DOM
Sold · May ’26$392,500
200 10TH AVENUE · same community
2 bd · 1 ba · 672 sqft · $584/sqft · 52 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 1209 1ST STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1209 1ST STREET — 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
1209 1ST STREET FAQs
What would the monthly payment be for 1209 1ST STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 1209 1ST STREET?+
The listing reports pets: No. 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 $2,195, this home is listed about 100% 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 1209 1ST STREET?+
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
Three things that matter here
01Under the INDIAN ROCKS BEACH 33785 market on paper
$2,195 is 100% below the INDIAN ROCKS BEACH 33785 median of $715,000, and at $3/sqft it sits under the Indian Rocks Beach average of $670.
02Strong assigned schools
Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $2,400, now $2,195 — a $205 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX CHAMPIONS · Beata Eider. MLS #W7885789.
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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