388 12TH AVENUE, INDIAN ROCKS BEACH, FL, 33785
Active9 days on marketListed Oct 1, 2026MLS #TB8553322
About this home
388 12TH AVENUE
Welcome to beautiful Indian Rocks Beach, where coastal charm meets an exciting opportunity to create something special! This property is ready for your vision and offers the chance to build a brand-new beach retreat, vacation getaway, or investment property. The existing home sustained flooding during Hurricane Helene and will require rebuilding. The property is being sold As-Is, presenting an opportunity for buyers to explore the possibilities and bring their vision to life. Imagine designing your own coastal sanctuary, building upward to capture beautiful water views. Enjoy the laid-back lifestyle of this beloved Gulf Coast community, known for its sandy beaches, spectacular sunsets, and charming small-town atmosphere. It’s just a short walk to the beach, as well as restaurants, shops, parks, and playgrounds. Enjoy pickleball courts, a dog park, skate park, basketball courts, baseball fields, Town Hall events, beach art center, library, and public boat ramp close by. Indian Rocks Beach is a walkable, golf-cart-friendly community where beach days, casual dining, and sunset strolls become part of everyday life.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,186
Sqft
0.12 ac
Lot size
1
Garage
1957
Year built
One
Levels
$434
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.
$3,601 /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
$3,601/mo
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.
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
+18.3%
$/sqft vs Indian Rocks Beach actives
$434 vs $685
Days on market
9 vs 110 typical
Where $434/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)
48 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 36% 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 388 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 · Jul ’26$240,000
11450 HARBOR WAY UNIT 5002
2 bd · 2 ba · 1,200 sqft · $200/sqft · 149 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 388 12TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 388 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
388 12TH AVENUE FAQs
What would the monthly payment be for 388 12TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,601/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 388 12TH AVENUE?+
The most recent tax bill on record (2025) was $2,172. 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 $515,000, this home is listed about 37% 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 388 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 KELLER WILLIAMS TAMPA CENTRAL · Chris Geyer. MLS #TB8553322.
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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