Beds
2
Baths
2
Sq Ft
1,465 sq ft
Year Built
1994
Lot Size
0.03 acres
Garage
1
About This Property
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.
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Gulf Blvd to East on 8th Ave. To East Gulf Blvd South to Curlew Landings to address.
Location
643 GARLAND CIRCLE, INDIAN ROCKS BEACH, FL 33785
Listing Information
Schedule a Showing
How to Buy This Home
Multiple financing options available for this $640,000 home in INDIAN ROCKS BEACH.
🏛️
FHA Loan
$22,400 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$32,000 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Pinellas County SHIP
Varies
Income-qualifying Pinellas residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: June 27, 2026.