526 20TH AVENUE, Indian Rocks Beach, FL, 33785
About This Home
Virtually Staged. Experience the pinnacle of waterfront living at 526 20th Ave, a rare Intracoastal gem tucked away at the quiet end of a cul-de-sac in one of Indian Rocks Beach’s most desirable enclaves. This property offers a unique “choose your own adventure” opportunity: move into the beautifully updated bungalow and enjoy the views immediately, or execute tentatively approved plans to nearly double your living space. Indian Rocks Beach offers the perfect blend of relaxed “Old Florida” charm and upscale coastal living. Just a short stroll from your front door are the pristine white sands of the Gulf of Mexico, breathtaking sunsets, eclectic boutiques, and award-winning local dining. Enjoy a walkable lifestyle in a close-knit beach community known for its laid-back atmosphere and strong vacation appeal. Unlike narrow finger canals, this property sits directly on the open Intracoastal Waterway with expansive north and south water views. Enjoy direct Gulf access from your backyard, ideal for sunset cruises or deep-sea fishing. A private 10,000-lb boat lift keeps your vessel secure and ready at a moment’s notice. Watch dolphins and manatees from your backyard or relax in the hot tub while enjoying the annual holiday boat parade and local regattas. Nearly every room in the home captures magnificent unobstructed water views. The single-level interior has been meticulously updated for effortless, low-maintenance living. The gourmet kitchen features a 9-foot quartz island, soft-close cabinetry, and a new 8-foot impact-resistant picture window. Premium JennAir induction cooktop and dishwasher are complemented by an LG refrigerator and microwave. Every bathroom has been completely remodeled with sophisticated finishes and contemporary vanities. Durable luxury vinyl plank flooring throughout provides true “no-stairs, no-stress” living. Step outside to a newly paved waterfront deck and adjustable louvered pergola designed for the perfect balance of sun and shade. Hurricane-impact windows throughout provide peace of mind, energy efficiency, and storm protection. This property also offers exceptional flexibility and investment potential. The city has tentatively approved plans for an attached ADU expansion adding nearly 1,700 additional square feet plus a two-car garage without removing the existing structure. Preliminary floor plans and elevations are included in the photos. With designer upgrades, a private boat lift, and a premier waterfront location, this home is ideally suited as a luxury primary residence, vacation retreat, or high-performing short-term rental opportunity. No HOA fees, favorable Pinellas County taxes, and a peaceful setting surrounded by multi-million-dollar homes complete this extraordinary waterfront offering.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1960
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Block
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
- Laundry features: Inside
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Level: First
- Area: 80
- Dimensions: 10x8
Features
- Ceiling Fan(s),Open Floorplan
- Door features: Sliding Doors
- Flooring: Luxury Vinyl
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 1,348
- Total interior livable area: 1,107 sqft
Kitchen
- Level: First
- Area: 110
- Dimensions: 11x10
Living Room
- Level: First
- Area: 168
- Dimensions: 14x12
Primary Bedroom
- Features: Built-in Closet
- Level: First
- Area: 156
- Dimensions: 13x12
Property
Details
- Parcel number: 063015423000000290
- Special condition: None
Features
- Levels: One
- Stories: 1
- Exterior features: Rain Gutters
- Fencing: Fenced
- Has view: Yes
- View description: Water,Intracoastal Waterway
- Has water view: Yes
- Water view: Water,Intracoastal Waterway
- On waterfront: Yes
- Waterfront features: Intracoastal Waterway,Gulf/Ocean Access,Intracoastal Waterway Access,Bridges - No Fixed Bridges,Fishing Pier,Lift,Sailboat Water,Seawall
- Waterbody name: INTRACOASTAL WATERWAY
Lot
- Lot size: 5,998 sqft
- Features: FloodZone
Parking
- Total spaces: 1
- Parking features: Garage - Attached
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Cold Wave
- Hurricane
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pinellas County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $6,467 | $77,604 |
| Home Insurance * | $155 | $1,860 |
| Property Taxes | $1,591 | $19,092 |
| Electricity | $197 | $2,366 |
| Total | $8,410 | $100,920 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-20 | Listed for sale | $1,279,000 |
| 2026-05-19 | Listing removed | $5,000 |
| 2026-05-13 | Listed for rent | $5,000 |
| 2025-10-16 | Listing removed | -- |
| 2025-10-16 | Pending sale | $1,299,900 |
| 2025-10-11 | Price change | $1,299,900 |
| 2025-07-14 | Listed for sale | $1,299,000 |
| 2024-10-01 | Listing removed | $9,000 |
| 2024-04-14 | Price change | $9,000 |
| 2024-02-05 | Listed for rent | $4,500 |
| 2024-01-18 | Listing removed | -- |
| 2023-12-28 | Listed for rent | $4,500 |
| 2021-02-25 | Listing removed | -- |
| 2019-10-27 | Listing removed | $3,000 |
| 2019-10-20 | Listed for rent | $3,000 |
| 2018-01-26 | Sold | $460,000 |
| 2018-01-26 | Listing removed | $2,000 |
| 2018-01-24 | Listed for rent | $2,000 |
| 2018-01-06 | Price change | $499,000 |
| 2017-12-13 | Price change | $560,000 |
| 2017-12-06 | Price change | $550,000 |
| 2017-10-13 | Price change | $574,000 |
| 2017-08-17 | Listed for sale | $599,000 |
| 2015-10-11 | Listing removed | $2,000 |
| 2015-10-01 | Listed for rent | $2,500 |
| 2004-02-10 | Sold | $408,000 |
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