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659 GARLAND CIRCLE, Indian Rocks Beach, FL, 33785 | $560,000
Discover the perfect blend of coastal charm and waterfront living in this beautifully appointed townhome nestled in the quaint and highly sought-after community of Curlew Landings South, ideally situated in Indian Rocks Beach. Step inside to a bright, open interior where natural light and water views create an inviting atmosphere from the moment you arrive. The main level is designed for effortless entertaining with a stylish kitchen featuring stainless steel appliances, granite countertops, pendant lighting, and a breakfast bar. The adjacent dining room with custom built-ins adds to the home's warm, functional charm. The spacious family room is anchored by a cozy fireplace and opens through sliding glass doors to a private balcony, the perfect place to enjoy your morning coffee while watching dolphins, birds, and other native wildlife glide by. The tranquil primary suite offers a generous walk-in closet with custom built-ins, while a skylight fills the stairway with natural light leading to two additional bedrooms, each with abundant closet space and built-in organizers. One guest bedroom features sliders opening to its own private balcony with peaceful water views, and both share an updated hall bath illuminated by another skylight. An oversized garage and lower level storage area offer plenty of room for beach gear, bikes, and coastal living essentials, with the potential to convert the space into a flex room for a home gym or private office. Major updates bring added peace of mind, including a brand new community roof in 2026, new composite balconies in 2025, a new HVAC system in 2025, and a new water heater in 2024. Beyond the home, residents enjoy exceptional amenities including a kayak launch, sparkling community pool, and tennis courts. Leave the car behind and stroll to local restaurants, charming shops, and the sugar-white sands of Indian Rocks Beach, where every day feels like a vacation and the best of Florida's waterfront lifestyle is right outside your door.
Features
- Rooms: 3
- 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: $3,619
- HOA Fee: $898 Monthly
- View: Water
- Water Front: Yes
- Pet Policy: Cats OK, Dogs OK, Number Limit, Size Limit, Yes
- Appliances: Cooktop, Dishwasher, Dryer, Electric Water Heater, Microwave, Range Hood, Refrigerator, Washer
- MLS#: TB8517721
- Days on Market: 15 days
- Website: https://www.raveis.com
/prop/TB8517721/659garlandcircle_indianrocksbeach_fl?source=qrflyer
Listing courtesy of Coldwell Banker Realty Phone: 727-581-9411
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
$560,000
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 | $448,000 | $448,000 | $448,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.230% | 6.512% | 5.866% |
| Monthly Tax Payment | $302 | $302 | $302 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,650 | $2,795 | $3,690 |
| Total Monthly Payment | $3,044 | $3,189 | $4,084 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388