NEW 21 HRS AGO

For sale

$970,000

Est. $5,981/mo —

•

1,092

sq ft

412 20th Ave, Indian Rocks Beach, FL 33785

About this home

Charming Waterfront Cottage with Expansive Bay Views in Indian Rocks Beach! Discover the charm of coastal living in this delightful waterfront cottage nestled in this sought-after seaside community. Set along a wide, north-facing bay, this special property offers beautiful, open-water views and a wonderful sense of privacy. The original home has been thoughtfully refreshed, preserving its cottage character while offering inviting spaces to enjoy the waterfront setting. Featuring two bedrooms and one bath, the home captures the water views from the main living area, dining room, and Florida room, bringing the beauty of the bay into everyday living. Step outside to a spacious, private backyard, fenced on both sides and offering plenty of room to create your own tropical retreat, add a pool, or simply relax and enjoy the coastal breeze. Whether you're looking for a charming waterfront getaway, a full-time coastal residence, or a property to make your own, this is a wonderful opportunity to enjoy the laid-back lifestyle of Indian Rocks Beach. A charming cottage, beautiful bay views, and endless possibilities!

Single-familyProperty Type

1952Year Built

6,482 sq ftLot Size

$888Price/Sq.Ft.

Listed by Tricia Priest • COLDWELL BANKER REALTY

Contact: 727-581-9411

Listing updated: Nov 5, 2026 at 04:53pm

Redfin checked: 3 minutes ago

•Source:Stellar MLS as Distributed by MLS Grid #TB8562669

Payment calculator

$5,981 per month

Principal and interest$5,158

Property taxes

$241

HOA dues

Home insurance

$582

Utilities

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Open houses

No upcoming open houses.

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Around this home

Schools

K - 12
Preschool & daycare

Anona Elementary School

Public PreK-5 • Assigned • 1.4mi

9/10

Seminole Middle School

Public 6-8 • Assigned • 3.8mi

7/10

Largo High School

Public PreK-12 • Assigned • 3.8mi

5/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Property details

Interior
Exterior
Finance

Kitchen

Bathroom

Bedroom

Living

Interior features
Beamed ceilings
Ceiling fans
Thermostat
Window treatments
Wood-burning fireplace in the living room
Florida room

Bedrooms
2 bedrooms

Bathrooms
1 full bathroom

Kitchen
Eat-in kitchen
Dishwasher
Microwave
Range

Laundry & utility
Washer
Dryer
Laundry closet
Outdoor laundry

Flooring
Terrazzo
Tile

Heating & cooling
Central heating
Central air conditioning

Sale and tax history for 412 20th Ave

Sale History
Tax History

Public record

Public record
Zoning
Permits

Beds

—

Baths

Stories

Lot width

49 ft.

Lot depth

131 ft.

Lot size

6,482 Sq. Ft.

Year renovated

1979

Finished Sq. Ft.

924

Unfinished Sq. Ft.

—

Total Sq. Ft.

924

Year built

1952

Style

Single Family Residential

County

Pinellas County

APN

153006421560000080

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Nov 4, 2026.

Single-Family Residential Zoning District

The S, single-family residential district provides for single-family residential development located where lower density single-family uses are desirable. The S, single-family residential district, correlates with the residential urban RU category of the countywide plan. Essential services and public facilities compatible with this residential district are also provided. Any use which is not specifically identified as a permitted use, accessory use or special exception use is a prohibited use. Prohibited uses shall include, but are not limited to, temporary lodging use of a dwelling.

Permitted uses

Include but are not limited to:

Housing-Single unit
Housing-Senior
Educational/school

Feb 24, 2026 • Final

Residential remodel/repair/renovation

Repair water intrusion damage by installing new baseboards and drywall from the floor up. Replace the bottom kitchen cabinets, perform electrical wiring repairs, and install a new electrical service panel. Building, electrical, and plumbing work is included.

Bathroom

Electrical

Kitchen

Plumbing

Remodel

Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.

Climate risks

10/10 Flood Factor

Estimated 80%+ chance of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

10/10 Heat Factor

7 days above 107° expected this year, 22 days in 30 years

10/10 Wind Factor

99% chance of strong winds in next 30 years

3/10 Air Factor

2 unhealthy days expected this year, 3 days in 30 years

Provided by First Street

Historical weather

Indian Rocks Beach, FL • 33785

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

49/ 100

Low sunlight

Sunscore

There appears to be significant shading by surrounding buildings, terrain, and vegetation.

4.7 hrs

3.8 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 412 20th Ave

$969,830

$170 under list price of $970K

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $500K to $1.3M.

SOLD SEP 30, 2026
$1,300,000 Last sold price
2 beds2 baths1,368 sq ft
2032 20th Avenue Pkwy, Indian Rocks Beach, FL 33785
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16 years newer
SOLD MAY 4, 2026
$1,200,000 Last sold price
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larger lot
SOLD DEC 31, 2025
$939,026 Last sold price
2 beds2 baths1,342 sq ft
501 20th Ave, Indian Rocks Beach, FL 33785
$188/sq ft
7 years newer
SOLD MAY 22, 2026
$675,000 Last sold price
2 beds2 baths1,378 sq ft
310 12th Ave, Indian Rocks Beach, FL 33785
$398/sq ft
smaller lot
26 years newer
SOLD OCT 15, 2026
$643,000 Last sold price
2 beds1 bath1,092 sq ft
104 12th Ave, Indian Rocks Beach, FL 33785
$299/sq ft
smaller lot
2 years older
SOLD AUG 27, 2026
$500,000 Last sold price
2 beds1 bath768 sq ft
125 13th Ave, Indian Rocks Beach, FL 33785
$237/sq ft
smaller lot
5 years newer

Rental earnings

Est. $1,733 per month, based on comparable rentals

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412 20th Ave, Indian Rocks Beach, FL 33785

Waterfront cottage • Expansive bay views • Private backyard

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Details provided by Stellar MLS as Distributed by MLS Grid and may not match the public record. Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Payment calculator

Affordability tools

See this home in person

Nearby open houses (10)

Around this home

Schools

Lifestyle

Property details

Sale and tax history for 412 20th Ave

Public record

Climate risks

Historical weather

Sun exposure

Redfin Estimate for 412 20th Ave

Early Access listings

Nearby similar homes

New listings for sale in 33785

More real estate resources