Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

HomeJam
Search Homes
1 / 15

List Price

$3,300,000

2718 Gulf Unit 2, Indian Rocks Beach, FL 33785

100 days on market

Estimated Payment

$23,303/mo

20% down and current market rates

Bedrooms4 bdBathrooms4 baLiving area2,964 Square FeetYear builtBuilt 2004

Listed by

Shea Conley

CENTURY 21 BEGGINS

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.

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

A rare opportunity awaits in the exclusive gated community of Westwinds with this meticulously maintained, elevated Key West–style coastal home offering direct Gulf views and private beach access. Built with solid block and cement board construction, this turnkey, fully furnished luxury home features 4 spacious bedrooms, 3.5 bathrooms, and 2,964 sq ft of sun-filled heated living space designed around a seamless open floor plan with high cathedral ceilings, arched entryways, polished travertine floors, and fresh interior paint throughout. The gourmet chef's kitchen serves as the ultimate center for entertaining, complete with custom solid wood cabinetry, rich granite countertops, a wine fridge, and premium stainless steel gas appliances. The primary suite serves as a private luxury retreat, featuring double walk-in closets, a spa-inspired ensuite bath with a Jacuzzi tub, and French doors opening directly to a private Gulf-view terrace. Offering incredible flexibility, the first-level in-law suite includes an ensuite bath and private entrance, making it ideal for guests, multi-generational living, or a nanny suite.

2718 Gulf Unit 2, Indian Rocks Beach, FL 33785 in Indian Rocks Beach, FL 33785 is listed for $3,300,000. The home has 4 bedrooms, 4 bathrooms, and 2,964 square feet, and was built in 2004. Listed 100 days ago. The listing is held by CENTURY 21 BEGGINS.

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$26,359 (tax year 2025)
HOA fee$500 per month

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): $660,000

$

$23,303/moest.

  • Principal & Interest 77%
  • Property Taxes 9%
  • Insurance 12%
  • HOA 2%
Principal & Interest
$17,856
Property Taxesfrom listing
$2,197
Insurance
$2,750
HOA
$500

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

Above the $832,750 conforming limit, most lenders ask for 10 to 20 percent down and terms vary. Conforming rate shown; jumbo rates vary.

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

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.

Need a mortgage?

Get connected with a loan officer without sending your information to a marketplace of lenders.

One request. One follow-up.

No barrage of calls or emails.

You Might Also Like

141 Bayside, Clearwater, FL 33767

$2,875,000

141 Bayside, Clearwater, FL 33767

4 bd · 4 ba · 2,748 sq ft

1322 Golf View, Belleair, FL 33756

$2,750,000

1322 Golf View, Belleair, FL 33756

4 bd · 4 ba · 3,590 sq ft

17411 1st, Redington Shores, FL 33708

$3,500,000

17411 1st, Redington Shores, FL 33708

4 bd · 4 ba · 3,499 sq ft

770 182nd, Redington Shores, FL 33708

$3,400,000

770 182nd, Redington Shores, FL 33708

4 bd · 3 ba · 3,430 sq ft

Frequently Asked Questions

The estimated monthly payment is $23,303, 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 $26,359 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# MFR802115292. HomeJam is not the listing broker.

List Price

$3,300,000

We use cookies and similar tools to remember how you found us, keep a session identifier, and understand which property pages you view. You can accept this use or decline optional tracking. See our privacy notice.