512 2ND STREET UNIT 5, INDIAN ROCKS BEACH, FL, 33785
Active45 days on marketListed Aug 27, 2026MLS #TB8542824
About this home
512 2ND STREET UNIT 5
Enjoy waterfront living just a few blocks from the beach in this spacious 2-bedroom, 2-bath condo featuring an open, split-bedroom floor plan with a desirable dual-suite style layout. The bright and open living and dining area features laminate flooring, ceiling fans, and plenty of natural light. The kitchen overlooks the living area and offers ample cabinetry and counter space, stainless steel appliances, and a large breakfast bar with seating. A standout feature of the condo is the expansive waterfront porch with two distinct areas—one fully enclosed for additional flexible living space and the other screened for enjoying the fresh air and water views. The unit also features a balcony overlooking the water. Additional conveniences include an in-unit washer and dryer and a rare 3-car tandem garage, providing plenty of parking and storage space. The waterfront community offers a swimming pool and dock, with boat-slip rental opportunities available. Conveniently located near the beach, restaurants, grocery stores, shopping, public transportation, and other everyday conveniences, with Holiday Inn Harbourside and Splash Harbour Water Park approximately a block away. Available unfurnished beginning in October for an annual lease.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,200
Sqft
0 ac
Lot size
3
Garage
1981
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$178 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$178/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Indian Rocks Beach actives
$2 vs $685
Days on market
45 vs 110 typical
Where $2/sqft sits among the 90 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)
49 of 90
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 100% 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 512 2ND STREET UNIT 5
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$795,000
24 GULF BOULEVARD UNIT 3B
2 bd · 2 ba · 1,215 sqft · $654/sqft · 26 DOM
Sold · May ’26$1,035,000
20002 GULF BOULEVARD UNIT 2705
3 bd · 2 ba · 1,180 sqft · $877/sqft · 7 DOM
Sold · Jul ’26$200,000
10351 REGAL DRIVE UNIT 18
2 bd · 2 ba · 1,225 sqft · $163/sqft · 76 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 512 2ND STREET UNIT 5 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 512 2ND STREET UNIT 5 — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
512 2ND STREET UNIT 5 FAQs
What would the monthly payment be for 512 2ND STREET UNIT 5?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $178/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 512 2ND STREET UNIT 5?+
The listing reports pets: Cats OK, Dogs OK, Pet Deposit, 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 $2,495, this home is listed about 100% below the Indian Rocks Beach median of $824,000. The market section on this page shows how the area is trending.
Which schools are assigned to 512 2ND STREET UNIT 5?+
Anona Elementary School (elementary), Seminole Middle School (middle), 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
Three things that matter here
01Under the INDIAN ROCKS BEACH 33785 market on paper
$2,495 is 100% below the INDIAN ROCKS BEACH 33785 median of $799,950, and at $2/sqft it sits under the Indian Rocks Beach average of $691.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Anona Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of REAL ESTATE MATCHMAKER CLUB · Abigail Sweeney. MLS #TB8542824.
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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