2704 2ND STREET, #16, Indian Rocks Beach, FL, 33785 | $350,000

***Cash Offers Only Please*** Welcome to your perfect beachside getaway! This 1-bedroom, 1-bath upstairs corner unit is located just steps from the stunning shores of Indian Rocks Beach in the desirable Indian Oaks Condo community. Short-term rentals are allowed with no minimum lease period, making this a fantastic investment opportunity or affordable second home. Enjoy the laid-back charm of this Old Florida-style complex with LOW HOA fees and a truly unbeatable location. Tucked just south of Belleair Beach and nestled along Brown Park, you’re surrounded by coastal beauty—walk to the beach for sunset or take advantage of nearby tennis, pickleball, basketball, and a playground for the little ones. This unit offers great natural light with windows on multiple sides and a private, peaceful location at the end of a one-way street. Move-in ready and perfectly neutral for your personal touch—and most importantly, it was not affected by recent flooding. Each condo has its own designated parking space, and there are several guest parking spots available. A convenient on-site laundry room, central mailbox area, and lush tropical courtyard offer added benefits. Whether you're looking to generate income through Airbnb or seeking a serene beach escape for yourself, this property offers incredible potential. Indian Rocks Beach is a golf cart-friendly community known for its local charm, boat parades, art festivals, and small-town beach vibe. You're just a short stroll from great restaurants, shops, and entertainment. Don't miss this opportunity to own a rare upstairs corner unit in one of the most sought-after beachside communities on Florida’s Gulf Coast!

Features

  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 2
  • Amenities: Cable TV, Laundry
  • Rooms: 3
  • Bedrooms: 1
  • Baths: 1 full
  • Laundry: Common Area
  • Complex: INDIAN OAKS CONDO
  • Year Built: 1972
  • Approx Sq. Feet: 598
  • Est. Taxes: $2,701
  • Condo Fee: $900 Quarterly
  • View: Garden
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: TB8403207
  • Days on Market: 167 days
  • Website: https://www.raveis.com
    /prop/TB8403207/27042ndstreet_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 1/11/2026 8:32:13 AM)

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NMLS Mortgage Loan Originator ID 130058

203.952.8600

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2704 2ND STREET, #16, Indian Rocks Beach, FL, 33785

$350,000

Tony Curcio - Tony Curcio Team

Broker

William Raveis Real Estate

Phone: 203.667.2720

Tony.Curcio@raveis.com

Joseph Mollica

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.952.8600

Joseph.Mollica@raveis.com

NMLS Mortgage Loan Originator ID 130058

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $280,000 $280,000 $280,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.132% 5.415%
Monthly Tax Payment $225 $225 $225
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,590 $1,677 $2,233
Total Monthly Payment $1,890 $1,977 $2,533

* 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.