Beds
—
Baths
0
Sq Ft
—
Year Built
—
Lot Size
0.11 acres
Garage
—
About This Property
Drone photos coming soon! Located on a corner lot just one block from the 12th Ave Beach Access of Indian Rocks Beach, this 3-bedroom, 2-bathroom home offers the chance to create your ideal coastal retreat in one of Tampa Bay's most beloved beach communities. Whether you choose to renovate the existing home or design your own and build new, the property offers excellent potential and flexibility. A Building Value Reconsideration completed provides a remodeling limit of $121,512, allowing for significant improvements to the existing structure which has a 2024 roof and updated plumbing. Florida Native & drought-resistant flowering plants including "beach sunflower" add to the property's charm. Enjoy the laid-back lifestyle of small-town beach life with nearby local restaurants, shops, parks, boating, and the white sands of Indian Rocks Beach. Bring your vision and take advantage of the opportunity to own a piece of paradise on Florida's Gulf Coast!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From Gulf Blvd in IRB, turn East on 12th Ave. The house is located on the corner of 12th Ave and 1st St.
Location
202 12TH AVENUE, INDIAN ROCKS BEACH, FL 33785
Listing Information
Schedule a Showing
How to Buy This Home
Multiple financing options available for this $450,000 home in INDIAN ROCKS BEACH.
🏛️
FHA Loan
$15,750 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
$22,500 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: July 2, 2026.