18522 GULF BOULEVARD UNIT D, INDIAN SHORES, FL, 33785
Active19 days on marketListed Oct 2, 2026MLS #TB8553785
Come see it
Upcoming open house
Sun, Oct 25
12:00 PM – 2:00 PM
About this home
18522 GULF BOULEVARD UNIT D
Welcome to 18522 Gulf Blvd #D in Indian Shores, a renovated 3-bedroom, 3-bath townhome in an intimate six-unit community right on the ocean. Wake up to beach days, evening sunsets, and an easy Florida lifestyle that works as a full-time residence, a second home, or a short-term rental. This home comes fully furnished. Updated throughout, the home features refreshed rooms, an updated kitchen, remodeled bathrooms, and new flooring. The third-floor balcony captures ocean and beach views — a private perch for coffee at sunrise or a glass of wine as the sky turns over the Gulf. The community pool is right here, and the white-sand beach is only steps from your door. Monthly HOA of $405 is low for this stretch of Gulf Boulevard and helps keep ownership simple. Short-term rentals are allowed, so you can live here year-round, use it as a vacation home, or generate rental income when you’re away. Approximately 30 minutes to Tampa International Airport, close to top rated schools and plenty of restaurants and shopping. This is the rare combination buyers want on the barrier islands: updated interiors, a real ocean-view balcony, walk-to-beach convenience, a pool, low HOA, and the flexibility to live in it or rent it. Come see #D before the next sunset.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,979
Sqft
0.03 ac
Lot size
1999
Year built
Three Or More
Levels
$644
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 and the real association fee — not generic estimates.
$10,399 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$10,399/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.
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.
vs edgeAI estimate
+49.9%
$/sqft vs Indian Shores actives
$644 vs $639
Days on market
19 vs 75 typical
Where $644/sqft sits among the 66 Indian Shores 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 Shores
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Indian Shores market
$535K → $655K
Indian Shores median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
33 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 60% above the INDIAN SHORES 33785 median. See the full Indian Shores market guide →
Paper trail
This home's history
Reality check
What actually sold near 18522 GULF BOULEVARD UNIT D
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$1,425,000
113 176TH AVENUE W
4 bd · 4 ba · 1,986 sqft · $718/sqft · 138 DOM
Sold · Dec ’25$770,000
17715 GULF BOULEVARD UNIT 302
3 bd · 3 ba · 1,995 sqft · $386/sqft · 17 DOM
Sold · Apr ’26$1,090,000
17715 GULF BOULEVARD UNIT 306
3 bd · 3 ba · 1,995 sqft · $546/sqft · 6 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 18522 GULF BOULEVARD UNIT D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18522 GULF BOULEVARD UNIT D — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
18522 GULF BOULEVARD UNIT D FAQs
What would the monthly payment be for 18522 GULF BOULEVARD UNIT D?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $10,399/mo — principal and interest, the actual property-tax bill, the $405/mo association fee 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.
How much are the HOA fees at 18522 GULF BOULEVARD UNIT D?+
The association fee works out to $405 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18522 GULF BOULEVARD UNIT D?+
The most recent tax bill on record (2025) was $15,989. 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 18522 GULF BOULEVARD UNIT D?+
The listing reports pets: Cats OK, Dogs OK, 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 $1,275,000, this home is listed about 76% above the Indian Shores median of $725,000. The market section on this page shows how the area is trending.
Which schools are assigned to 18522 GULF BOULEVARD UNIT D?+
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
Three things that matter here
01Positioned at the premium end
$1,275,000 runs 60% above the INDIAN SHORES 33785 median — but at 1,979 sqft it's also 50% larger than the typical Indian Shores listing.
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
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Shane Clark. MLS #TB8553785.
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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