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Overview

5 bd3 ba2,765 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1971
Lot6,334 sqft
Living area2,765 sqft
Price / sqft$506
Garage2 car

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About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenKitchen/Family Room ComboPrimarybedroom UpstairsSolid Surface CountersSolid Wood CabinetsSplit Bedroom

517 20th Ave is a 1971-built home in Indian Beach Re-revised 15th Add, Indian Rocks Beach. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,765 square feet of living space. Listed at $1,399,000 (about $506/sqft), 21 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

The sunset is a daily event at this west-facing Indian Rocks Beach waterfront home. From the kitchen breakfast bar or anywhere in the family room, the Intracoastal Waterway fills a full wall of glass, framing the boats gliding past the mangrove island offshore until the sun drops behind the palms on the far shore. Five bedrooms, three baths and 2,765 square feet spread across two levels. The main level moves from a living room with plantation shutters and a turned wood staircase into an eat-in kitchen with solid wood cabinetry, solid surface counters, stainless appliances and a breakfast bar that opens to the family room. The family room and adjoining bonus room wrap the back of the house in water-facing windows, finished with crown molding, ceiling fans and a slider to the back yard. Three first-floor bedrooms and two full baths sit in a split plan, including a bedroom with its own en suite bath and walk-in closet, which gives guests, family or rental groups room to spread out. The second floor has been updated with plank flooring, ceiling fans and recessed lighting, and both upstairs bedrooms open onto a composite balcony above the dock. The primary suite has a double vessel-sink vanity, a walk-in closet and an en suite bath with tub and shower. The second upstairs bedroom includes a wet bar, a natural setup for an owner's retreat or a self-contained guest level. Out back, mature live oaks shade a ground-level deck and a brick paver path that leads to the concrete seawall. The composite dock has electric service, a sitting area at the end, a fish cleaning station and davits with motors and cables replaced in 2022, so a morning coffee on the dock turns into a run up the waterway without a trailer in sight. The yard is fenced and landscaped, and rollaway hurricane shutters protect the west-facing windows. The roof was replaced in 2024 with hurricane clips, the upstairs A/C is 2024, the downstairs A/C is 2017 and the water heater is 2026. There is no HOA, and the home comes with an attached two-car garage, a laundry room with washer and dryer, and a water softener. That combination works for a full-time residence, a second home or a short-term rental, with no rental minimums. The street ends in a quiet cul-de-sac, and the Gulf Boulevard restaurant corridor, the public beach accesses and the mangrove boardwalk at the Indian Rocks Beach Nature Preserve are all a short bike ride away, with St. Pete-Clearwater International Airport an easy drive for visiting family and guests. Bring the furniture and the boat. The sunset from your bedroom balcony is already in place.

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The essentials

Built
1971
Price / sqft
$506
On market
21 days
Annual tax
$14,297
Flood zone
AE
Lot
6,334 sqft
Type
Single Family Residence

At a glance

Single family
Built 1971
Waterfront
Intracoastal Waterway
2 car garage
Driveway
6,334 sqft lot
Lot size
2,765 sqft
Living area

Payment

Est. monthly payment
$9,187/mo
Down payment (20%)
$279,800
Property taxes
$1,191/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1971
Lot
6,334 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Garage Faces Side
Waterfront
Intracoastal Waterway
Days on Market
21
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Kitchen/Family Room Combo
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Walk-in Closet(s)
Balcony
Hurricane Shutters
Lighting
Rain Gutters
Sidewalk
Storage
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Water Softener
Elementary
Anona Elementary-PN
Middle
Seminole Middle-PN
High
Largo High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE
Annual Tax (2025)
$14,297
Parcel #
06-30-15-42300-000-0490

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Indian Beach Re-revised 15th Add
County
Pinellas
MLS Area
33785 - Indian Rocks Bch/Belleair Bch/Indian Shores
Lot Size
6,334 sqft
Cul-De-SacCity LimitsIn CountyIrregular LotLandscapedNear MarinaNear Public TransitPaved

Price history

Date
Event
Price
9/23/2026
Listed for sale
Source: Stellar MLS #TB8550741
$1,399,000
$506/sqft

Neighborhood

517 20th Ave
Indian Rocks Beach, FL, 33785 · 33785 - Indian Rocks Bch/Belleair Bch/Indian Shores

Market insights

Offer Insights

Choose an offer strength

List price: $1,399,000
$1.38M – $1.40M
98.7% – 100% of listTops out right at the list price
80% of listList price
16 of the last 31 home closings in 33785 landed at this number or higher (52%). The median one sat 26 days before it went under contract, and this one is on day 21.

Sample: 31 closed home sales in 33785 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$9,187/mo
Principal & interest$7,296
Property taxes$1,191
Insurance$700
Down payment20% · $279,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,399,000

$506 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,765 sq ft

Time on market

21 days

Year built

1971

Monthly payment

About $9,187/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $14,297 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

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Brokered byKELLER WILLIAMS GULF BEACHESListing agent: Troy WalsethListing data from Stellar MLS, MLS# TB8550741.

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