Charming Waterfront Cottage with Expansive Bay Views in Indian Rocks Beach! Discover the charm of coastal living in this delightful waterfront cottage nestled in this sought-after seaside community. Set along a wide, north-facing bay, this special property offers beautiful, open-water views and a wonderful sense of privacy. The original home has been thoughtfully refreshed, preserving its cottage character while offering inviting spaces to enjoy the waterfront setting. Featuring two bedrooms and one bath, the home captures the water views from the main living area, dining room, and Florida room, bringing the beauty of the bay into everyday living. Step outside to a spacious, private backyard, fenced on both sides and offering plenty of room to create your own tropical retreat, add a pool, or simply relax and enjoy the coastal breeze. Whether you're looking for a charming waterfront getaway, a full-time coastal residence, or a property to make your own, this is a wonderful opportunity to enjoy the laid-back lifestyle of Indian Rocks Beach. A charming cottage, beautiful bay views, and endless possibilities!
For sale
$970,000
412 20TH AVENUE, INDIAN ROCKS BEACH, FL 33785
2beds
1,092sqft
Single Family Residence
Built in 1952
6,482 Square Feet Lot
$930,900 Zestimate®
$888/sqft
$-- HOA
What's special
- 1 day
- 115
- 8
Zillow last checked:
Listing updated:
Listed by:
Tricia Priest 727-612-6277,
COLDWELL BANKER REALTY 727-581-9411
Source: Stellar MLS,MLS#: TB8562669
Originating MLS: Suncoast Tampa

Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Rooms
- Room types: Florida Room
Primary bedroom
- Features: Built-in Closet
- Level: First
Bedroom 2
- Features: Built-in Closet
- Level: First
Kitchen
- Level: First
Living room
- Level: First
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Laundry: Laundry Closet, Outside
Features
- Beamed Ceilings, Ceiling Fan(s), Eating Space In Kitchen, Primary Bedroom Main Floor, Thermostat
- Flooring: Terrazzo, Tile
- Doors: Outdoor Shower
- Windows: Window Treatments
- Has fireplace: Yes
- Fireplace features: Living Room, Wood Burning
Interior area
- Total structure area: 1,092
- Total interior livable area: 1,092 sqft
Property
Parking
- Parking features: Curb Parking, Golf Cart Parking, Ground Level, Off Street
- Has carport: Yes
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered, Front Porch, Rear Porch, Screened
- Exterior features: Outdoor Shower, Storage
- Fencing: Vinyl,Wood
- Has view: Yes
- View description: Water, Bay/Harbor - Full
- Has water view: Yes
- Water view: Water,Bay/Harbor - Full
- Waterfront features: Bay/Harbor, Bay/Harbor Access, Sailboat Water
Lot
- Size: 6,482 Square Feet
- Dimensions: 49 x 131
- Features: FloodZone
- Residential vegetation: Mature Landscaping
Details
- Parcel number: 063015421560000080
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Bungalow,Key West
- Property subtype: Single Family Residence
Materials
- Block
- Foundation: Slab
- Roof: Shingle
Condition
- New construction: No
- Year built: 1952
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Connected, Electricity Connected, Public, Sewer Connected, Street Lights, Water Connected
Community & HOA
Community
- Features: Golf Carts OK, Park, Playground, Tennis Court(s)
- Security: Smoke Detector(s)
- Pet fee: $0 monthly
- Subdivision: INDIAN BEACH RE-REVISED 7TH ADD
HOA
- Has HOA: No
Location
- Region: Indian Rocks Beach
Financial & listing details
- Price per square foot: $888/sqft
- Tax assessed value: $824,430
- Annual tax amount: $2,892
- Date on market: 11/5/2026
- Cumulative days on market: 2 days
- Listing terms: Cash,Conventional
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Asphalt
Estimated market value
$930,900
$884,000 - $977,000
$3,426/mo
Price history
| Date | Event | Price |
|---|---|---|
| 11/6/2026 | Listed for sale | $970,000-2.8%$888/sqft |
Source: | ||
| 7/14/2026 | Listing removed | $998,000$914/sqft |
Source: | ||
| 5/30/2026 | Price change | $998,000-5%$914/sqft |
Source: | ||
| 5/22/2026 | Price change | $1,050,000-4.5%$962/sqft |
Source: | ||
| 5/2/2026 | Price change | $1,100,000-4.3%$1,007/sqft |
Source: | ||
| 4/9/2026 | Price change | $1,150,000-3%$1,053/sqft |
Source: | ||
| 3/9/2026 | Listed for sale | $1,185,000+7.7%$1,085/sqft |
Source: | ||
| 11/12/2025 | Listing removed | $1,100,000$1,007/sqft |
Source: | ||
| 6/25/2025 | Price change | $1,100,000-4.3%$1,007/sqft |
Source: | ||
| 4/25/2025 | Listed for sale | $1,150,000+820%$1,053/sqft |
Source: | ||
| 5/19/1994 | Sold | $125,000$114/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,893 +2.9% | $200,157 +0.5% |
| 2024 | $2,813 +1.4% | $199,201 +3% |
| 2023 | $2,773 +5.7% | $193,399 +3% |
| 2022 | $2,622 -1.5% | $187,766 +3% |
| 2021 | $2,661 +0.1% | $182,297 +1.4% |
| 2020 | $2,657 +1.6% | $179,780 +2.3% |
| 2019 | $2,616 | $175,738 +1.9% |
| 2018 | $2,616 +5.5% | $172,461 +2.1% |
| 2017 | $2,479 +0.7% | $168,914 +2.1% |
| 2016 | $2,463 -2% | $165,440 +0.7% |
| 2015 | $2,513 +0.5% | $164,290 +0.8% |
| 2014 | $2,502 +0.5% | $162,986 +1.5% |
| 2013 | $2,489 +1.8% | $160,577 +1.7% |
| 2012 | $2,445 | $157,893 +3% |
| 2011 | -- | $153,294 +1.5% |
| 2010 | -- | $151,029 -49.8% |
| 2009 | -- | $300,982 +104.9% |
| 2008 | $2,100 | $146,911 +3% |
| 2007 | -- | $142,632 -62.2% |
| 2005 | -- | $377,000 +25.2% |
| 2004 | $2,247 +3.7% | $301,200 +24.6% |
| 2003 | $2,167 +2.8% | $241,800 +15.1% |
| 2002 | $2,109 +6% | $210,100 +15.2% |
| 2001 | $1,989 +4.3% | $182,400 +32.5% |
| 2000 | $1,907 | $137,700 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 33785
Nearby schools
Schools provided by the listing agent
- Elementary: Anona Elementary-PN
- Middle: Seminole Middle-PN
- High: Largo High-PN
Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.






