Single Family Residence at 517 20TH AVE, INDIAN ROCKS BEACH
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$1,399,000

517 20TH AVE
INDIAN ROCKS BEACH, FL 33785
Listed by Troy Walseth · KELLER WILLIAMS GULF BEACHES
Bedrooms
5
Bathrooms
3
Living area
2,765 sqft
Year built
1971

About this home

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.

Highlights

Waterfront

Property details

MLS #
MFRTB8550741
Property type
Single Family Residence
Subdivision
INDIAN BEACH RE-REVISED 15TH ADD
Status
Active
Days on market
N/A
On market date
September 30, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
2
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 (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
ANONA ELEMENTARY SCHOOL
1.12 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
3.33 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
3.45 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

Mortgage calculator

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Est. monthly payment
$8,575/mo
$279,800 down
$1,119,200 loan
Principal & interest$7,259
Property tax (est.)$1,166
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 21 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.