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List Price

$675,000

104 12th, Indian Rocks Beach, FL 33785

86 days on market

Estimated Payment

$4,833/mo

20% down and current market rates

Bedrooms2 bdBathrooms1 baLiving area1,092 Square FeetYear builtBuilt 1950

Listed by

Debra Del Rio

REALTY ONE GROUP INNOVATION

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

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  • Make your offer
  • Bring your agent
  • Close in one place

Live where others vacation—just 116 steps from the Gulf and the 12th Avenue beach access! Located on a quiet street in desirable Indian Rocks Beach, this beautifully updated single-family home offers a garage, a spacious pool sized backyard, and income-producing potential. Permitted for short-term-rental use with 1-to-7-day minimum stays, the property is currently operating as a successful vacation rental with consistent bookings and five-star reviews. Completely remediated and truly turnkey, the home features porcelain tile flooring throughout, a stylish glass-block shower, interior laundry, and direct backyard access from the bedroom and garage. Tasteful, upscale furnishings, linens, decorations and housewares are all included. Additional features include an Interior Laundry with Washer and dryer, a garage filled with beach toys for immediate fun and even an outdoor shower to rinse off when returning from the beach! Major improvements include a 2024 shingle roof CHA 2024 , Hot water heater 2025 rewiring 2025 and new ductwork in 2026.

104 12th, Indian Rocks Beach, FL 33785 in Indian Rocks Beach, FL 33785 is listed for $675,000. The home has 2 bedrooms, 1 bathroom, and 1,092 square feet, and was built in 1950. Listed 86 days ago. The listing is held by REALTY ONE GROUP INNOVATION.

33785 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$7,415 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $135,000

$

$4,833/moest.

  • Principal & Interest 76%
  • Property Taxes 13%
  • Insurance 12%
Principal & Interest
$3,652
Property Taxesfrom listing
$618
Insurance
$563

30-year fixed at 7.164%, as of November 10, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $4,833, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $7,415 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR803199613. HomeJam is not the listing broker.

List Price

$675,000

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