659 GARLAND CIRCLE, Indian Rocks Beach, FL, 33785 | $599,000

Welcome to the laid-back coastal charm of Indian Rocks Beach! Nestled in the highly sought-after waterfront community of Curlew Landings South, this beautifully remodeled 3-bedroom, 2-bath WATERFRONT townhome is a true retreat that blends water views with style, comfort, and functionality. Just a few of the high-end highlights are plantation shutters (2021), fans, tile, and Luxury Vinyl Plank flooring. New Lennox AC System installed Sept 2025! Step inside and fall in love with the open concept living space offering natural light provided by skylights and sliding glass doors that lead to the private balconies, perfect for morning coffee or sunset cocktails. The heart of the home is the updated kitchen featuring solid maple custom cabinetry, recessed lighting, granite countertops, and a large stainless double sink. The stainless-steel appliances include a French style refrigerator (2023), glass top convection oven (2023) and a drawer-style microwave. The stylish granite entertaining bar is highlighted by glass teardrop pendant lighting and is large enough to comfortably host 4 barstools and can also be enjoyed from the living room. The comfortable living room offers a cozy woodburning fireplace, custom window shades, and water views from the couch or step through the sliding glass door onto the balcony! One of the guest bedrooms features an en-suite bath making it nice and private for guests. Upstairs, the spacious primary suite has amazing water views from its private balcony and features a walk-in closet 8’. 2”x5’. 10” with built-in organizers and vaulted ceilings. The convenient upstairs laundry area has a full-size washer and dryer. Another guest bedroom and full bath are also located on this floor. The ground level offers an oversize one car garage with storage and a versatile tiled bonus room measuring 17’. 3”x15’ ideal for a home office, gym, playroom, or guest retreat featuring a portable AC and kayak racks. The sliding glass doors open directly to a paved patio large enough for a grill and chairs. Water access is just steps away so you can enjoy kayaking, paddleboarding or fishing. The downstairs was recently remodeled with high-end durable waterproof PVC paneling throughout to ensure longevity! The newly installed low-maintenance TimberTech balconies ensure beauty and ease of care year-round. Residents of Curlew Landings South enjoy top-notch amenities including a community pool and sundeck, tennis / pickleball courts, and a private kayak launch for exploring the scenic waterways. Best of all, you’re just two blocks from the white sandy beaches, and minutes from the area’s vibrant restaurants, shops, beachside attractions and boat storage/marinas. This is more than a home, it’s a lifestyle. Don’t miss your chance to live where others vacation! Docks are privately owned and this unit does not come with one.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside
  • Year Built: 1993
  • Garage: 1-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,566
  • Acreage: 0.03
  • Est. Taxes: $3,571
  • HOA Fee: $898 Monthly
  • View: Water
  • Pet Policy: Cats OK, Dogs OK, Number Limit, Size Limit, Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8390222
  • Days on Market: 219 days
  • Website: https://www.raveis.com
    /prop/TB8390222/659garlandcircle_indianrocksbeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/7/2026 2:57:31 AM)
Listing courtesy of CHARLES RUTENBERG REALTY INC   Phone: 727-538-9200

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

659 GARLAND CIRCLE, Indian Rocks Beach, FL, 33785

$599,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $479,200 $479,200 $479,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.292% 5.609%
Monthly Tax Payment $298 $298 $298
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,721 $2,912 $3,884
Total Monthly Payment $3,111 $3,302 $4,274

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.