360 12TH AVENUE, INDIAN ROCKS BEACH, FL, 33785
Active33 days on marketListed Sep 8, 2026MLS #TB8546436
About this home
360 12TH AVENUE
A rare opportunity to create your own piece of paradise in the heart of highly sought-after Indian Rocks Beach! This vacant residential lot offers a blank canvas to design and build a coastal home tailored to your lifestyle, whether you envision a full-time residence, beach retreat, or investment property. Located in one of the Tampa Bay area's most loved beach communities, this property puts you close to the beautiful Gulf beaches, local restaurants, parks, shops, and everything that makes Indian Rocks Beach such a special place to call home. Enjoy the laid-back coastal lifestyle where beach days, sunsets, golf cart rides, and neighborhood favorites can become part of your everyday routine. With the previous structure already removed, the opportunity is here to start fresh and bring your vision to life. Vacant residential land in an established beach community is increasingly hard to find—especially in a location that offers the charm and lifestyle of Indian Rocks Beach. Bring your architect, builder, and imagination and explore the possibilities at 360 12th Ave. Build the home you've been waiting for and make the beach lifestyle your own.
Facts & features
The home at a glance
0.2 ac
Lot size
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.
$5,280 /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
$5,280/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.
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)
Median sold price, Indian Rocks Beach, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 360 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 · Apr ’26$1,595,000
387 12TH AVENUE · same community
3 bd · 2 ba · 1,874 sqft · $851/sqft · 46 DOM
Sold · Nov ’25$1,000,000
425 12TH AVENUE · same community
3 bd · 3 ba · 1,950 sqft · $513/sqft · 174 DOM
Sold · Jan ’26$75,000
11485 OAKHURST ROAD UNIT 200-309
1 bd · 1 ba · 630 sqft · $119/sqft · 17 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 360 12TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 360 12TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
360 12TH AVENUE FAQs
What would the monthly payment be for 360 12TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,280/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 360 12TH AVENUE?+
The most recent tax bill on record (2025) was $6,106. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Indian Rocks Beach?+
At $799,000, this home is listed about 3% 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 360 12TH AVENUE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of IAD REAL ESTATE · CandicE Kelly. MLS #TB8546436.
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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