Sunset on the dock - 412 20TH AVE, INDIAN ROCKS BEACH
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 2 of 56
Entry - 412 20TH AVE, INDIAN ROCKS BEACH
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 4 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 5 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 6 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 7 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 8 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 9 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 10 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 11 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 12 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 13 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 14 of 56
View from the Living Room - 412 20TH AVE, INDIAN ROCKS BEACH
Living has a fireplace - 412 20TH AVE, INDIAN ROCKS BEACH
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 17 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 18 of 56
Primary Bedroom - 412 20TH AVE, INDIAN ROCKS BEACH
Bedroom has a water view - 412 20TH AVE, INDIAN ROCKS BEACH
2nd bedroom is currently being used as an office - 412 20TH AVE, INDIAN ROCKS BEACH
2nd bedroom is currently being used as an office - 412 20TH AVE, INDIAN ROCKS BEACH
Bath has been updated - 412 20TH AVE, INDIAN ROCKS BEACH
Walk in Shower - 412 20TH AVE, INDIAN ROCKS BEACH
Screened Porch - 412 20TH AVE, INDIAN ROCKS BEACH
Laundry in the Carport area - 412 20TH AVE, INDIAN ROCKS BEACH
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 27 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 28 of 56
Front Entry - 412 20TH AVE, INDIAN ROCKS BEACH
Carport - 412 20TH AVE, INDIAN ROCKS BEACH
Outdoor Shower - 412 20TH AVE, INDIAN ROCKS BEACH
Aerial View - 412 20TH AVE, INDIAN ROCKS BEACH
Floor Plan - 412 20TH AVE, INDIAN ROCKS BEACH
Sunsets are magical - 412 20TH AVE, INDIAN ROCKS BEACH
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 35 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 36 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 37 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 38 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 39 of 56
Wide Open View - 412 20TH AVE, INDIAN ROCKS BEACH
Wide Open View - 412 20TH AVE, INDIAN ROCKS BEACH
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 42 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 43 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 44 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 45 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 46 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 47 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 48 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 49 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 50 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 51 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 52 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 53 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 54 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 55 of 56
Single Family Residence at 412 20TH AVE, INDIAN ROCKS BEACH, photo 56 of 56
56 photos

$970,000

Bedrooms
2
Bathrooms
1
Living area
1,092 sqft
Year built
1952
412 20TH AVE
INDIAN ROCKS BEACH, FL 33785
Listed by COLDWELL BANKER REALTY

Highlights

Property type
Single Family Residence
Lot size
0.15 acres
On market
0 days
  • Waterfront
  • Fireplace

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!

Property details

MLS
Stellar MLS
MLS #
MFRTB8562669
Property type
Single Family Residence
Subdivision
INDIAN BEACH RE-REVISED 7TH ADD
Status
Active
Days on market
N/A
On market date
November 5, 2026
Stories
N/A
Total bathrooms
1
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.15 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
ANONA ELEMENTARY SCHOOL
1.41 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
462
Student:teacher ratio
12.8:1
District
PINELLAS
Middle
LARGO MIDDLE SCHOOL
3.69 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
890
Student:teacher ratio
17.5:1
District
PINELLAS
High
LARGO HIGH SCHOOL
3.77 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,096
Student:teacher ratio
22.1:1
District
PINELLAS

Walkability

Blended score for INDIAN ROCKS BEACH's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

74
Walkable
out of 100
EPA National Walkability Index
13.2 / 20 -- Above average walkable
Google Places amenity density
85 / 100
Restaurants & cafes14
Grocery stores2
Parks12
Schools5
Transit stops20
Pharmacies1

Market position

How this listing compares to current activity in INDIAN ROCKS BEACH, from live MLS data.

On the market 0 days -- 117 fewer days than INDIAN ROCKS BEACH's current average of 117 days.
For reference, the median list price across 159 active listings in INDIAN ROCKS BEACH right now is $895,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

Adjust tax / insurance estimates
Est. monthly payment
$5,991/mo
$194,000 down
$776,000 loan
Principal & interest$5,033
Property tax (est.)$808
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS. Last updated 22 hr ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.