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391 12th Ave, Indian Rocks Beach, FL, 33785

6beds
7baths
6,243sqft
$6,649,000
$1,065price/sqft
$45,071/moest. monthly cost
$1,802,840/yrincome needed

About This Home

Discover unparalleled waterfront living in this magnificent 6-bedroom, 6.5-bath residence, perfectly situated on a rare double waterfront lot in Indian Rocks Beach. Offering approximately 146 feet of water frontage, an extra-large seawall, private dock, and boat lift, this home is a boater’s dream and an entertainer’s paradise. Step inside to experience seamless open-concept living designed for both grand entertaining and comfortable everyday life. The chef’s gourmet kitchen features a massive island, high-end professional appliances, and a walk-in pantry, creating a space that is as functional as it is stunning. Impact-rated windows and doors, solid block construction, and a metal roof provide peace of mind and enduring quality. Resort-style amenities await outdoors, including a Freestyle PebbleTec saltwater pool and a fully equipped outdoor kitchen, ideal for alfresco dining and waterfront gatherings. An elevator offers effortless access to all levels, while a whole-house audio system, smart home technology, and generator ensure comfort, convenience, and security. The primary suite is a true retreat, featuring a fireplace, private sitting area, expansive walk-in closet accented by a Swarovski chandelier, and a spa-inspired en-suite bath with soaking tub, oversized shower, and private balcony. With seven covered balconies, en-suite baths for every bedroom, two laundry rooms, a dedicated office, and a 3+ car garage, every detail has been thoughtfully designed to elevate the waterfront lifestyle. This extraordinary home offers a rare opportunity to enjoy luxury, space, and waterfront adventure in one of the area’s most desirable beach communities. Schedule your private showing today and experience coastal living at its finest. Buyer to verify all room sizes and dimensions are approximate.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

9/10
Anona Elementary SchoolGrades PK-51.0 mi
6/10
Seminole Middle SchoolGrades 6-83.4 mi
5/10
Largo High SchoolGrades PK,9-123.7 mi

Construction

Condition

  • Year built: 2017

Materials

  • Foundation: Block,Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Block,Cement Siding,Stucco,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Coastal,Custom
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Oven,Cooktop,Dishwasher,Dryer,Electric Water Heater,Ice Maker,Range,Range Hood,Refrigerator,Washer
  • Laundry features: Inside,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 288
  • Dimensions: 16x18

Features

  • Ceiling Fan(s),Elevator,Living Room/Dining Room Combo,Open Floorplan,PrimaryBedroom Upstairs,Solid Surface Counters,Solid Wood Cabinets,Walk-In Closet(s)
  • Door features: Outdoor Kitchen,Sliding Doors
  • Flooring: Granite,Porcelain Tile,Hardwood
  • Fireplace features: Living Room,Master Bedroom
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 10,619
  • Total interior livable area: 6,243 sqft

Kitchen

  • Level: First
  • Area: 324
  • Dimensions: 18x18

Living Room

  • Level: First
  • Area: 432
  • Dimensions: 24x18

Primary Bedroom

  • Features: Ceiling Fan(s),Central Vacuum,Walk-In Closet(s)
  • Level: Second
  • Area: 468
  • Dimensions: 18x26

Property

Details

  • Parcel number: 063015420660890320
  • Special condition: None

Features

  • Levels: Multi/Split
  • Private pool: Yes
  • Pool features: Gunite
  • Patio & porch: Covered,Deck,Rear Porch
  • Exterior features: Balcony,Dog Run,Irrigation System,Lighting,Outdoor Kitchen,Playground,Private Yard,Rain Gutters,Storage
  • Has spa: Yes
  • Spa features: In Ground
  • Fencing: Fenced
  • Has view: Yes
  • View description: Water
  • Water view: Water
  • Residential vegetation: Mature Landscaping

Lot

  • Lot size: 0.33 Acres
  • Features: In County,Landscaped,Oversized Lot

Parking

  • Total spaces: 6
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 6
  • Covered spaces: 6

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Lightning
Tsunami

FEMA Declared Disasters in Pinellas County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $33,620$403,440
Home Insurance *$806$9,672
Property Taxes $10,017$120,204
Electricity $628$7,539
Total$45,071$540,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,545,291/yr
40% on housing$1,352,130/yr
45% on housing$1,201,893/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.7%
11.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,065This listing

vs Other Active Listings

Avg $/sqft

ZIP 33785$668
Pinellas County$300

vs Homes Sold Last Month

Median $/sqft

ZIP 33785$640
Pinellas County$288

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-17Price change$6,790,000
2026-01-27Listed for sale$6,890,000
2014-10-22Sold$680,000
2014-09-09Price change$695,000
2014-01-22Listed for sale$799,900

For Sale by Agent

AgentDonna Miller
BrokerageCOLDWELL BANKER REALTY

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