517 20TH AVENUE INDIAN ROCKS BEACH FL 33785

The sunset is a daily event at this west-facing Indian Rocks Beach waterfront home. From the kitchen breakfast bar or anywhere in the family room, the Intracoastal Waterway fills a full wall of glass, framing the boats gliding past the mangrove island offshore until the sun drops behind the palms on the far shore.
Five bedrooms, three baths and 2,765 square feet spread across two levels. The main level moves from a living room with plantation shutters and a turned wood staircase into an eat-in kitchen with solid wood cabinetry, solid surface counters, stainless appliances and a breakfast bar that opens to the family room. The family room and adjoining bonus room wrap the back of the house in water-facing windows, finished with crown molding, ceiling fans and a slider to the back yard. Three first-floor bedrooms and two full baths sit in a split plan, including a bedroom with its own en suite bath and walk-in closet, which gives guests, family or rental groups room to spread out.
The second floor has been updated with plank flooring, ceiling fans and recessed lighting, and both upstairs bedrooms open onto a composite balcony above the dock. The primary suite has a double vessel-sink vanity, a walk-in closet and an en suite bath with tub and shower. The second upstairs bedroom includes a wet bar, a natural setup for an owner's retreat or a self-contained guest level.
Out back, mature live oaks shade a ground-level deck and a brick paver path that leads to the concrete seawall. The composite dock has electric service, a sitting area at the end, a fish cleaning station and davits with motors and cables replaced in 2022, so a morning coffee on the dock turns into a run up the waterway without a trailer in sight. The yard is fenced and landscaped, and rollaway hurricane shutters protect the west-facing windows.
The roof was replaced in 2024 with hurricane clips, the upstairs A/C is 2024, the downstairs A/C is 2017 and the water heater is 2026. There is no HOA, and the home comes with an attached two-car garage, a laundry room with washer and dryer, and a water softener. That combination works for a full-time residence, a second home or a short-term rental, with no rental minimums.
The street ends in a quiet cul-de-sac, and the Gulf Boulevard restaurant corridor, the public beach accesses and the mangrove boardwalk at the Indian Rocks Beach Nature Preserve are all a short bike ride away, with St. Pete-Clearwater International Airport an easy drive for visiting family and guests. Bring the furniture and the boat. The sunset from your bedroom balcony is already in place.