104 12TH AVENUE, INDIAN ROCKS BEACH, FL, 33785
Active6 days on marketListed Aug 20, 2026MLS #TB8540391
About this home
104 12TH AVENUE
Live where others vacation—just 116 steps from the Gulf and the 12th Avenue beach access! Located on a quiet street in desirable Indian Rocks Beach, this beautifully updated single-family home offers a garage, a spacious pool sized backyard, and income-producing potential. Permitted for short-term-rental use with 1-to-7-day minimum stays, the property is currently operating as a successful vacation rental with consistent bookings and five-star reviews. Completely remediated and truly turnkey, the home features porcelain tile flooring throughout, a stylish glass-block shower, interior laundry, and direct backyard access from the bedroom and garage. Tasteful, upscale furnishings, linens, decorations and housewares are all included. Additional features include an Interior Laundry with Washer and dryer, a garage filled with beach toys for immediate fun and even an outdoor shower to rinse off when returning from the beach! Major improvements include a 2024 shingle roof CHA 2024 , Hot water heater 2025 rewiring 2025 and new ductwork in 2026. Indian Rocks Beach is a golf-cart-friendly community known for its beautiful white-sand beaches, outstanding restaurants, shopping, parks, library, art center, tennis and pickleball courts, public fishing dock, dog park, boat ramp, marina, and baseball field. Whether you are searching for a primary residence, beach getaway, or established short-term rental, this is a rare opportunity to own just steps from the Gulf while generating income that can help offset ownership expenses.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,092
Sqft
0.13 ac
Lot size
1
Garage
1950
Year built
One
Levels
$618
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,673 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,673/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
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.
vs edgeAI estimate
+59.6%
$/sqft vs Indian Rocks Beach actives
$618 vs $646
Days on market
6 vs 89 typical
Where $618/sqft sits among the 86 Indian Rocks Beach actives
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 Rocks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Indian Rocks Beach. See the full Indian Rocks Beach guide →
Indian Rocks — neighborhood snapshot
Population
3,655
Median age
59
Median income
$104,994
Median home value
$687,925
Avg household
2
Households w/ children
160
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Indian Rocks Beach market
$950K → $725K
Indian Rocks Beach median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
46 of 86
Indian Rocks Beach actives have cut their price
Median sold price, Indian Rocks Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the INDIAN ROCKS BEACH 33785 median. See the full Indian Rocks Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 104 12TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$675,000
127 11TH AVENUE · same community
3 bd · 2 ba · 1,092 sqft · $618/sqft · 28 DOM
Sold · Sep ’25$400,000
111 12TH AVENUE · same community
3 bd · 2 ba · 1,208 sqft · $331/sqft · 43 DOM
Sold · May ’26$817,200
1211 BAY PINE BOULEVARD · same community
3 bd · 2 ba · 1,232 sqft · $663/sqft · 62 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.
Your agent
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 104 12TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 12TH AVENUE — 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
104 12TH AVENUE FAQs
What would the monthly payment be for 104 12TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,673/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 104 12TH AVENUE?+
The most recent tax bill on record (2025) was $7,415. 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 104 12TH AVENUE?+
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 Rocks Beach?+
At $675,000, this home is listed about 10% below the Indian Rocks Beach median of $749,450. The market section on this page shows how the area is trending.
Which schools are assigned to 104 12TH AVENUE?+
Anona Elementary School (elementary), Seminole Middle School (middle), Largo High School (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 ROCKS BEACH 33785 market on paper
$675,000 is 7% below the INDIAN ROCKS BEACH 33785 median of $722,500, and at $618/sqft it sits under the Indian Rocks Beach average of $699.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Fresh on the market
Only 6 days on market in a Indian Rocks Beach market that averages 89 — if it fits, move quickly.
04Strong assigned schools
Anona Elementary School, Seminole Middle School, Largo High School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP INNOVATION · Debra Del Rio. MLS #TB8540391.
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.
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