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526 20TH AVENUE

Indian Rocks Beach, FL, 33785

Active

$1,279,000

2

Bedrooms

2

Bathrooms

1,107 sqft

Living Area

1960

Year Built

5,998

Lot Size (sqft)

103

Days on Market

Dock Score™

DockOnly
85
Excellent

What shaped this score

Gulf Access (nav-verified)
Dock with boat lift
Bridge-free to bay & ocean
Fits boats up to ~47ft (est.)

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

Intracoastal Waterway📝 10K-lb boat lift

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall DetectedDeep Water Indicators~40-54 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Canal WidthDockOnly

At the dock

County parcel data
75ft
dock75 ft

Single measurement at the dock · width variation along the canal not yet available

Measured perpendicular from this parcel's waterfront edge to the parcel directly across the canal, using surveyed county GIS boundaries.

Will it turn around?

Up to 24 ft

Easy
handling

2432 ft

Fits
with care

3237 ft

Tight
(back-in)

Boats over 37 ft typically back in/out rather than turning here. Clear channel ≈ 49 ft with boats moored both sides (~13 ft per side for dock + beam). Wide-beam yachts need the upper end of each range.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

Virtually Staged. Experience the pinnacle of waterfront living at 526 20th Ave, a rare Intracoastal gem tucked away at the quiet end of a cul-de-sac in one of Indian Rocks Beach’s most desirable enclaves. This property offers a unique “choose your own adventure” opportunity: move into the beautifully updated bungalow and enjoy the views immediately, or execute tentatively approved plans to nearly double your living space. Indian Rocks Beach offers the perfect blend of relaxed “Old Florida” charm and upscale coastal living. Just a short stroll from your front door are the pristine white sands of the Gulf of Mexico, breathtaking sunsets, eclectic boutiques, and award-winning local dining. Enjoy a walkable lifestyle in a close-knit beach community known for its laid-back atmosphere and strong vacation appeal. Unlike narrow finger canals, this property sits directly on the open Intracoastal Waterway with expansive north and south water views. Enjoy direct Gulf access from your backyard, ideal for sunset cruises or deep-sea fishing. A private 10,000-lb boat lift keeps your vessel secure and ready at a moment’s notice. Watch dolphins and manatees from your backyard or relax in the hot tub while enjoying the annual holiday boat parade and local regattas. Nearly every room in the home captures magnificent unobstructed water views. The single-level interior has been meticulously updated for effortless, low-maintenance living. The gourmet kitchen features a 9-foot quartz island, soft-close cabinetry, and a new 8-foot impact-resistant picture window. Premium JennAir induction cooktop and dishwasher are complemented by an LG refrigerator and microwave. Every bathroom has been completely remodeled with sophisticated finishes and contemporary vanities. Durable luxury vinyl plank flooring throughout provides true “no-stairs, no-stress” living. Step outside to a newly paved waterfront deck and adjustable louvered pergola designed for the perfect balance of sun and shade. Hurricane-impact windows throughout provide peace of mind, energy efficiency, and storm protection. This property also offers exceptional flexibility and investment potential. The city has tentatively approved plans for an attached ADU expansion adding nearly 1,700 additional square feet plus a two-car garage without removing the existing structure. Preliminary floor plans and elevations are included in the photos. With designer upgrades, a private boat lift, and a premier waterfront location, this home is ideally suited as a luxury primary residence, vacation retreat, or high-performing short-term rental opportunity. No HOA fees, favorable Pinellas County taxes, and a peaceful setting surrounded by multi-million-dollar homes complete this extraordinary waterfront offering.

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See the property and tour the dock. A licensed waterfront specialist will arrange your private showing.

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Location

Indian Rocks Beach, FL, 33785

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of LPT REALTY, LLC via Stellar MLS

Last checked: 4 hours ago

Listing updated: September 1, 2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

FEMA Flood Zone AE
BFE: 9ft

Special Flood Hazard Area

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Estimate your monthly payment for this waterfront property

20%

$255,800 down

%
Principal & Interest$6,636/mo
Property Tax (est. ~1.2%, varies by county)$1,279/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$8,165
Loan Amount: $1,023,200Rate: 6.75%
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$1,279,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.