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© 2026 DockOnly™. All rights reserved.

DockOnly™ and Dock Score™ are trademarks of Blue Mar Real Estate Group Inc.

Blue Mar Real Estate Group Inc. — Licensed Florida Real Estate Broker

Blue Mar Real Estate Group Inc.

Licensed Florida Real Estate Broker · DBPR License CQ1018554

4000 Ponce De Leon Blvd, Suite 470, Coral Gables, FL 33146

[email protected]

Listing data is provided by participating Multiple Listing Services and is deemed reliable but not guaranteed. Each listing's MLS source and its required disclosures appear with that listing. Dock Score™ is a DockOnly.com rating and is not provided by or affiliated with any MLS or listing broker. NOAA chart data is public domain and for reference only — not for navigation. Full MLS Compliance

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This website complies with the Fair Housing Act. We do not discriminate on the basis of race, color, religion, sex, national origin, familial status, or disability.

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+20

643 GARLAND CIRCLE

INDIAN ROCKS BEACH, FL, 33785

Active

$640,000

643 GARLAND CIRCLE

INDIAN ROCKS BEACH, FL, 33785

Active

$640,000

2

Bedrooms

2

Bathrooms

1,465 sqft

Living Area

1994

Year Built

$640,000Tour 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.

1,172

Lot Size (sqft)

$898

HOA / Monthly

31

Days on Market

Dock Score™

DockOnly
57
Fair

What shaped this score

✓Ocean Access
✓Dock with boat lift
✓Bridge-free to bay & ocean
✓Premium waterfront location

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

Dock & Water AccessMLS

Canal FrontWaterfrontCanal - Saltwater📝 12K-lb boat lift

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall DetectedDavits Detected

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.

Navigation RouteDockOnly

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

Description

WATERFRONT TOWNHOME WITH DEEDED BOAT SLIP — INDIAN ROCKS BEACH, FL Boater’s dream and beach lover’s delight — beautifully upgraded 2-bedroom, 2-bath townhome just two blocks from the white sands of Indian Rocks Beach and directly on the Intracoastal Waterway. This turnkey property includes a deeded boat slip with a 12,000-lb davit/master lift for easy launch to open water. Highlights: Prime waterfront location with sweeping Intracoastal views from multiple levels New exterior decks on each floor — perfect for morning coffee, sunsets, or entertaining Open interior with vaulted ceilings for an airy, light-filled living space Updated kitchen with corian countertops, newer cabinetry and appliances Low-maintenance finishes: newer carpet and tile throughout First-floor air-conditioned bonus room with generous storage — ideal for fishing, boating and beach gear Roofs were recently replaced in April 2026, providing added peace of mind Community & Lifestyle: Resort-style amenities: heated pool, hot tub, tennis courts and pickleball court Steps to beach access, dining, and recreation — excellent for primary residence, vacation getaway, or investment rental Don’t miss this rare combination of easy beach living and true waterfront boating access in Indian Rocks Beach.

Schedule a Showing

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 MINARET REALTY via Stellar MLS

Last updated: 6/27/2026

© 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.

Dock Score™

DockOnly
57
Fair

What shaped this score

✓Ocean Access
✓Dock with boat lift
✓Bridge-free to bay & ocean
✓Premium waterfront location

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

FEMA Flood Zone AE
BFE: 8ft

Special Flood Hazard Area

View FEMA Flood Map →
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$128,000 down

%
Principal & Interest$3,321/mo
Property Tax (est. ~1.2%, varies by county)$640/mo
Home Insurance (est.)$250/mo
HOA Fees$898/mo
Total Monthly Payment$5,109
Loan Amount: $512,000Rate: 6.75%
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Estimated payments only. Actual rates and terms may vary.

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