A rare opportunity not to be missed!! This coastal designed residence on an expansive cul-de-sac lot in coveted Indian Rocks Beach, commanding 112 feet of pristine intracoastal seawall with sweeping east and southeast water views. Waterfront single-story living of this scale and quality is exceptionally rare, offering effortless accessibility without sacrificing grandeur. Comprehensively reimagined in 2021, this home represents the pinnacle of coastal luxury with no detail overlooked. Step through the grand entry to soaring 12-foot ceilings and 10-foot sliding glass doors that blur the line between indoor living and shimmering waterways beyond. The great room anchors the home with an 88-inch linear fireplace, built-in entertainment features, and automated shades in the great room, dining area, and primary suite. Three-zone climate control ensures personalized comfort throughout. The gourmet kitchen is designed to impress, featuring Thermador appliances, Cristallo countertops, dual wine coolers, filtered water dispenser, soft water system, tankless water heater, and thoughtfully designed under-counter cabinetry with pull-out shelving. A dedicated laundry room with utility sink adds everyday functionality. The primary suite is a private sanctuary with a spa-inspired bath offering a spacious walk-in shower with dual rain heads, handheld fixture, built-in niches, Toto electric toilet, and a vanity with discreet hidden outlets. The custom walk-in closet features built-in drawers, shelving, and hanging space designed for optimal organization. On the opposite side of the home, a thoughtfully designed guest wing with private entry provides a fully separated retreat for visitors, complete with custom closet systems. Outdoors, a resort-style setting unfolds with a large saltwater pool and spa, generous covered patio with dual fans and lighting, and a striking built-in gas fireplace table ideal for evening gatherings. Professionally designed low-maintenance landscaping is enhanced by a full LED lighting system that transforms the property after dark. The outdoor kitchen features a built-in gas grill, Kamado Joe smoker, marine-grade stainless cabinetry, refrigerator, storage drawers, and trash container. An outdoor TV and shower complete the alfresco experience, while a professional putting and chipping green elevates leisure beyond the ordinary. On the water, a brand-new composite dock offers both beauty and durability, featuring a 20,000-pound boat lift, dedicated jet ski lift, and kayak and paddleboard rack system for effortless access to the intracoastal lifestyle. Additional practical luxuries include two oversized two-car garages, extensive storage cabinetry with pull-out shelving, a comprehensive exterior security camera system, and Toto toilets throughout. Professionally curated landscaping allows more time enjoying the property and less time maintaining it. Properties that combine single-story design, full renovation, waterfront positioning, and exceptional privacy are extraordinarily rare in Indian Rocks Beach. This is more than a home — it is a statement of lifestyle. Schedule your private showing today.
For sale
$2,950,000
540 20th Ave, Indian Rocks Beach, FL 33785
3beds
2,379sqft
Est.:
Single Family Residence
Built in 2021
10,489 Square Feet Lot
$1,921,800 Zestimate®
$1,240/sqft
$-- HOA
What's special
Brand-new composite dockThree-zone climate controlToto electric toiletTwo oversized two-car garagesCoastal designed residenceWaterfront positioningProfessionally designed low-maintenance landscaping
- 2 days |
- 1,328 |
- 72 |
Zillow last checked: 7 hours ago
Listing updated: 10 hours ago
Listing Provided by:
Stephen Kepler 727-647-6696,
ENGEL & VOLKERS BELLEAIR 727-461-1000
Source: Stellar MLS,MLS#: TB8488753
Originating MLS: Suncoast Tampa

Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Rooms
- Room types: Great Room, Utility Room
Primary bedroom
- Features: Walk-In Closet(s)
- Level: First
- Area: 240 Square Feet
- Dimensions: 16x15
Bedroom 2
- Features: Built-in Closet
- Level: First
- Area: 154 Square Feet
- Dimensions: 14x11
Bedroom 3
- Features: Built-in Closet
- Level: First
- Area: 154 Square Feet
- Dimensions: 11x14
Dining room
- Level: First
- Area: 182 Square Feet
- Dimensions: 13x14
Great room
- Level: First
- Area: 418 Square Feet
- Dimensions: 22x19
Kitchen
- Level: First
- Area: 192 Square Feet
- Dimensions: 16x12
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Dishwasher, Disposal, Refrigerator, Wine Refrigerator
- Laundry: Inside, Laundry Room
Features
- Ceiling Fan(s), Crown Molding, High Ceilings, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Split Bedroom, Stone Counters, Tray Ceiling(s), Walk-In Closet(s)
- Flooring: Porcelain Tile
- Doors: Outdoor Grill, Outdoor Kitchen, Outdoor Shower, Sliding Doors
- Has fireplace: Yes
- Fireplace features: Living Room
Interior area
- Total structure area: 3,770
- Total interior livable area: 2,379 sqft
Video & virtual tour
Property
Parking
- Total spaces: 4
- Parking features: Garage - Attached
- Attached garage spaces: 4
Features
- Levels: One
- Stories: 1
- Exterior features: Fire Pit, Irrigation System, Outdoor Grill, Outdoor Kitchen, Outdoor Shower, Rain Gutters, Boat Slip
- Has private pool: Yes
- Pool features: Gunite, In Ground, Salt Water
- Has spa: Yes
- Spa features: Heated, In Ground
- Fencing: Vinyl
- Has view: Yes
- View description: Water, Bay/Harbor - Full, Intracoastal Waterway
- Has water view: Yes
- Water view: Water,Bay/Harbor - Full,Intracoastal Waterway
- Waterfront features: Waterfront, Bay/Harbor, Bay/Harbor Access, Intracoastal Waterway Access, Lift, Seawall
Lot
- Size: 10,489 Square Feet
- Dimensions: 92 x 120
- Features: FloodZone, Near Marina, Street Dead-End
Details
- Additional structures: Outdoor Kitchen
- Parcel number: 063015423000000360
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Coastal
- Property subtype: Single Family Residence
Materials
- Block
- Foundation: Slab
- Roof: Metal
Condition
- New construction: No
- Year built: 2021
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: BB/HS Internet Available, Electricity Available, Phone Available, Propane, Sewer Available, Water Available
Community & HOA
Community
- Features: Public Boat Ramp, Waterfront, Dog Park, Golf Carts OK, Park, Playground, Restaurant, Sidewalks, Tennis Court(s)
- Security: Closed Circuit Camera(s), Security Lights
- Pet fee: $0 monthly
- Subdivision: INDIAN BEACH RE-REVISED 15TH ADD
HOA
- Has HOA: No
Location
- Region: Indian Rocks Beach
Financial & listing details
- Price per square foot: $1,240/sqft
- Tax assessed value: $1,855,931
- Annual tax amount: $13,974
- Date on market: 3/20/2026
- Cumulative days on market: 3 days
- Listing terms: Cash
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Paved
Estimated market value
$1,921,800
$1.63M - $2.23M
$5,925/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/20/2026 | Listed for sale | $2,950,000+247.1%$1,240/sqft |
Source: | ||
| 1/23/2019 | Sold | $850,000$357/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $14,369 +1% | $946,539 +3% |
| 2023 | $14,231 +6% | $918,970 +3% |
| 2022 | $13,428 +10% | $892,204 +15.6% |
| 2021 | $12,207 +1.8% | $771,557 +3.4% |
| 2020 | $11,988 +120.4% | $746,463 +116.1% |
| 2019 | $5,438 | $345,399 +1.9% |
| 2018 | $5,438 +3% | $338,959 +2.1% |
| 2017 | $5,281 +0.4% | $331,987 +2.1% |
| 2016 | $5,257 -2.1% | $325,159 +0.7% |
| 2015 | $5,371 +0.4% | $322,899 +0.8% |
| 2014 | $5,350 +0.3% | $320,336 +1.5% |
| 2013 | $5,333 +1.8% | $315,602 +1.7% |
| 2012 | $5,238 | $310,326 +3% |
| 2011 | -- | $301,287 +1.5% |
| 2010 | -- | $296,834 +2.7% |
| 2009 | -- | $289,030 +0.1% |
| 2008 | $4,601 | $288,741 +3% |
| 2007 | -- | $280,331 -60.6% |
| 2005 | -- | $711,800 +45.8% |
| 2004 | $4,593 +1.8% | $488,300 +14.2% |
| 2003 | $4,511 +2.4% | $427,500 +15.4% |
| 2002 | $4,404 +2.8% | $370,600 +7.1% |
| 2001 | $4,284 +3.9% | $346,100 +36.6% |
| 2000 | $4,124 | $253,300 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$18,938/mo
Principal & interest
$14488
Property taxes
$4450
More affordability tools
Climate risks
Neighborhood: 33785
Nearby schools
GreatSchools rating
- 9/10Anona Elementary SchoolGrades: PK-5Distance: 1 mi
- 6/10Seminole Middle SchoolGrades: 6-8Distance: 3.5 mi
- 5/10Largo High SchoolGrades: PK,9-12Distance: 3.6 mi
Local experts in 33785
- Florida
- Pinellas County
- Indian Rocks Beach
- 33785
- 540 20th Ave
Nearby cities
Nearby zip codes
Other Indian Rocks Beach Topics
- Apartments for Rent in 33785
- Houses for Sale in 33785
- Houses for Rent in 33785
- 33785 Real Estate
- Indian Rocks Beach Condos
- Houses for Sale in Indian Rocks Beach
- Newest Listings in Indian Rocks Beach
- Indian Rocks Beach Home Values
- Indian Rocks Beach Real Estate Agents
- Indian Rocks Beach Refinance
- Indian Rocks Beach Mortgage Rates






