CENTURY 21 Edge
$399,000$435,0002 bd2 ba935 sqft$427 /sqft≈$3,410 /mo all-in ↓

19701 GULF BOULEVARD UNIT 105, INDIAN SHORES, FL, 33785

Active221 days on marketListed Mar 14, 2026MLS #TB8486701

✦ Priced 50% below the INDIAN SHORES 33785 median✦ Reduced $36KCondominiumBAY MARINER THE CONDO

About this home

19701 GULF BOULEVARD UNIT 105

Experience the best of Florida coastal living in this fully renovated 2-bedroom, 2-bath condo at The Bay Mariner Condominiums in Indian Shores. This move-in-ready residence offers an opportunity to own a refreshed coastal property in one of the most desirable locations along Florida’s Gulf Beaches. Situated within a waterfront Intracoastal community spanning nearly four acres of tropical landscaping and more than 400 feet of shoreline, the property offers the perfect balance of waterfront living, beach access, and resort-style amenities. The bright interior features updated finishes, a comfortable layout, a primary suite with en-suite bath and walk-in closet, and a versatile second bedroom ideal for guests, a home office, or additional living space. Residents enjoy a relaxed waterfront atmosphere where boats pass along the Intracoastal and Florida wildlife can often be seen just outside. Community amenities include a heated waterfront pool and spa, fishing pier, boat docks for boating and kayaking, clubhouse, shuffleboard courts, bike storage, covered carport parking, and beautifully maintained tropical grounds. Indian Shores Beach is directly across the street, providing quick access to the soft white sands and Gulf waters for beach days and sunset walks. Restaurants, cafés, beach bars, and convenience shops are within walking distance, making everyday living easy and enjoyable. This pet-friendly community allows immediate rentals, creating an excellent opportunity for a primary residence, vacation home, or income-producing investment property. Conveniently located near shopping, dining, and two major airports—St. Pete–Clearwater International Airport and Tampa International Airport.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

935

Sqft

3.82 ac

Lot size

1974

Year built

One

Levels

$427

Per sqft

Pets allowed

Inside

FlooringLaminate
AppliancesCooktop · Dishwasher · Freezer · Range · Refrigerator
InteriorLiving Room/Dining Room Combo · Solid Surface Counters · Thermostat
LaundrySame Floor As Condo Unit
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesNorth
ExteriorSliding Doors

Community & fees

Taxes (2025)$4,016/yr
PetsYes
CommunityCanal Front · Dock · Intracoastal Waterway · Water Access · Waterfront · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,410 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$2,739
FHA mortgage insurance (est.)$176
Property tax — 2025 actual bill$335
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,965Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,965
Interest rate7.50%
Loan term

Estimated payment

$3,410/mo

Principal & interest$2,739
FHA mortgage insurance (est.)$176
Property taxes (actual bill)$335
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $399K
$290KedgeAI estimate $335,687 · range $302K–$369K$415K

vs edgeAI estimate

+18.9%

$/sqft vs Indian Shores actives

$427 vs $644

Days on market

221 vs 75 typical

Where $427/sqft sits among the 66 Indian Shores actives

18 · this home
19
16
5
3
5
$424–552$552–679$679–807$807–935$935–1062$1062+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Indian Shores

Drive times from this address

Downtown Tampa≈ 39 min
Tampa Int’l Airport (TPA)≈ 39 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Indian Shores. See the full Indian Shores guide →

INDIAN SHORES 33785 — neighborhood snapshot

Population

4,871

Median age

58.1

Median income

$98,750

Median home value

$689,500

Avg household

1.94

Households w/ children

193

For the school run

Pinellas County School District

MiddleSeminole Middle School★★★★★
ElementaryBauder Elementary School★★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Indian Shores market

Seller’s marketBalanced — 5.7 months of inventoryBuyer’s market

$535K → $655K

Indian Shores median sold, yr/yr

94.2%

Sale-to-list ratio (12 mo)

32 of 66

Indian Shores actives have cut their price

Median sold price, Indian Shores, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 50% below the INDIAN SHORES 33785 median. See the full Indian Shores market guide →

Paper trail

This home's history

CurrentPrice reduced to $399,000 ▼ $36K
Mar 14, 2026Listed at $435,000 · 221 days on market since
1974Built · BAY MARINER THE CONDO

Reality check

What actually sold near 19701 GULF BOULEVARD UNIT 105

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

19701 GULF BOULEVARD UNIT 328Sold · May ’26

$460,000

19701 GULF BOULEVARD UNIT 328 · same community

2 bd · 2 ba · 935 sqft · $492/sqft · 52 DOM

19701 GULF BOULEVARD UNIT 210Sold · Oct ’25

$350,000

19701 GULF BOULEVARD UNIT 210 · same community

2 bd · 2 ba · 935 sqft · $374/sqft · 187 DOM

19236 GULF BOULEVARD UNIT 402Sold · Jun ’26

$345,000

19236 GULF BOULEVARD UNIT 402

1 bd · 1 ba · 895 sqft · $385/sqft · 1 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Tommy Trainer

Your agent

Tommy Trainer

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 19701 GULF BOULEVARD UNIT 105 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 19701 GULF BOULEVARD UNIT 105 — before you fall in love.

See it in person

Schedule a tour

Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

19701 GULF BOULEVARD UNIT 105 FAQs

What would the monthly payment be for 19701 GULF BOULEVARD UNIT 105?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,410/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 19701 GULF BOULEVARD UNIT 105?+

The most recent tax bill on record (2025) was $4,016. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 19701 GULF BOULEVARD UNIT 105?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Indian Shores?+

At $399,000, this home is listed about 45% below the Indian Shores median of $725,000. The market section on this page shows how the area is trending.

Which schools are assigned to 19701 GULF BOULEVARD UNIT 105?+

Seminole Middle School (middle), Bauder Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the INDIAN SHORES 33785 market on paper

$399,000 is 50% below the INDIAN SHORES 33785 median of $799,000, and at $427/sqft it sits under the Indian Shores average of $696.

02Time on market is leverage

221 days on market against a Indian Shores median of 75 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

Seminole Middle School, Bauder Elementary School, Richard O Jacobson Technical High School At Seminole — Bauder Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $435,000, now $399,000 — a $36K cut. The full history is in the market section below.

Listing courtesy of IAD REAL ESTATE · CandicE Kelly. MLS #TB8486701.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

Never miss a listing

New Indian Shores homes, in your inbox

Like 19701 GULF BOULEVARD UNIT 105 but not quite? A daily digest of every new listing in Indian Shores — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask Tommy to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated October 21, 2026 at 10:31 PM UTC. The listing information on this page last changed on October 21, 2026 at 10:31 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on October 21, 2026 at 10:31 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: October 21, 2026 at 10:31 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. IDX information is provided exclusively for consumers'' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.