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Accepting backups
    • Price cut: $39K (6/27)
    $640,000

    643 GARLAND CIRCLE, INDIAN ROCKS BEACH, FL 33785

    2beds
    1,465sqft
    : 
    $5,182/mo
    Get pre-qualified
    Townhouse
    Built in 1994
    1,172 Square Feet Lot
    $-- Zestimate®
    $437/sqft
    $898/mo HOA

    What's special

    Hot tubHeated poolLow-maintenance finishesWaterfront townhome
    Under contract-accepting backup offers. WATERFRONT TOWNHOME WITH DEEDED BOAT SLIP — INDIAN ROCKS BEACH, FL Boater’s dream and beach lover’s delight — beautifully upgraded 2-bedroom, 2-bath townhome just two blocks from the white sands of Indian Rocks Beach and directly on the Intracoastal Waterway. This turnkey property includes a deeded boat slip with a 12,000-lb davit/master lift for easy launch to open water. Highlights: Prime waterfront location with sweeping Intracoastal views from multiple levels New exterior decks on each floor — perfect for morning coffee, sunsets, or entertaining Open interior with vaulted ceilings for an airy, light-filled living space Updated kitchen with corian countertops, newer cabinetry and appliances Low-maintenance finishes: newer carpet and tile throughout First-floor air-conditioned bonus room with generous storage — ideal for fishing, boating and beach gear Roofs were recently replaced in April 2026, providing added peace of mind Community & Lifestyle: Resort-style amenities: heated pool, hot tub, tennis courts and pickleball court Steps to beach access, dining, and recreation — excellent for primary residence, vacation getaway, or investment rental Don’t miss this rare combination of easy beach living and true waterfront boating access in Indian Rocks Beach.
    79 days
    |
    139
    |
    11
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Joseph Lehman 813-494-4278,

    MINARET REALTY 813-877-6388

    Source: Stellar MLS,MLS#: TB8512290MLS LogoOriginating MLS: Suncoast Tampa

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 2
      • Bathrooms: 2
      • Full bathrooms: 2
      Primary bedroom
      • Features: Walk-In Closet(s)
      • Level: Third
      • Area: 168 Square Feet
      • Dimensions: 12x14
      Bedroom 2
      • Features: En Suite Bathroom, Built-in Closet
      • Level: Second
      • Area: 168 Square Feet
      • Dimensions: 12x14
      Primary bathroom
      • Features: Tub With Shower, Built-in Closet
      • Level: Third
      Bathroom 2
      • Level: Second
      Bonus room
      • Features: Built-in Closet
      • Level: First
      • Area: 320 Square Feet
      • Dimensions: 16x20
      Dining room
      • Features: Breakfast Bar
      • Level: Second
      • Area: 168 Square Feet
      • Dimensions: 14x12
      Foyer
      • Level: First
      • Area: 80 Square Feet
      • Dimensions: 8x10
      Kitchen
      • Level: Second
      • Area: 104 Square Feet
      • Dimensions: 13x8
      Living room
      • Level: Second
      • Area: 272 Square Feet
      • Dimensions: 17x16
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Microwave, Range, Refrigerator, Washer
      • Laundry: Electric Dryer Hookup, Laundry Closet
      Features
      • Ceiling Fan(s), High Ceilings, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Solid Wood Cabinets, Thermostat, Walk-In Closet(s)
      • Flooring: Carpet, Ceramic Tile
      • Doors: Sliding Doors
      • Windows: Window Treatments
      • Has fireplace: Yes
      • Fireplace features: Family Room
      • Furnished: Yes
      Interior area
      • Total structure area: 1,465
      • Total interior livable area: 1,465 sqft

      Property

      Parking
      • Total spaces: 1
      • Parking features: Garage - Attached
      • Attached garage spaces: 1
      Features
      • Levels: Three Or More
      • Stories: 3
      • Exterior features: Balcony, Tennis Court(s), Boat Slip
      • Has private pool: Yes
      • Pool features: In Ground, Outside Bath Access
      • Has spa: Yes
      • Spa features: Heated, In Ground
      • Has view: Yes
      • View description: Water, Canal
      • Has water view: Yes
      • Water view: Water,Canal
      • Waterfront features: Canal Front, Waterfront, Canal - Saltwater, Saltwater Canal Access, Lift
      Lot
      • Size: 1,172 Square Feet
      • Features: Near Marina
      Details
      • Parcel number: 123014201400110500
      • Special conditions: None

      Construction

      Type & style
      • Home type: Townhouse
      • Property subtype: Townhouse
      Materials
      • Block, Stucco
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • Completed
      • New construction: No
      • Year built: 1994

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: BB/HS Internet Available, Cable Available, Cable Connected, Electricity Connected, Fire Hydrant, Sewer Connected, Street Lights

      Community & HOA

      Community
      • Features: Boat Slip, Canal Front, Dock, Fishing, Intracoastal Waterway, Waterfront, Deed Restrictions, Golf Carts OK, Pool, Tennis Court(s)
      • Pet fee: $0 monthly
      • Subdivision: CURLEW LANDINGS SOUTH
      HOA
      • Has HOA: Yes
      • Services included: Cable TV, Reserve Fund, Insurance, Internet, Maintenance Structure, Maintenance Grounds, Pool Maintenance, Recreational Facilities, Sewer, Trash, Water
      • HOA fee: $898 monthly
      • HOA name: JessicaP@qualifiedproperty.com
      Location
      • Region: Indian Rocks Beach

      Financial & listing details

      • Price per square foot: $437/sqft
      • Tax assessed value: $455,948
      • Annual tax amount: $7,689
      • Date on market: 5/27/2026
      • Cumulative days on market: 61 days
      • Listing terms: Cash,Conventional,FHA
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Asphalt

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        8/11/2026Listed for sale$640,000$437/sqft
        Source: Stellar MLS #TB8512290 Report a problem
        7/26/2026Contingent$640,000$437/sqft
        Source: Stellar MLS #TB8512290 Report a problem
        6/27/2026Price change$640,000-5.7%$437/sqft
        Source: Stellar MLS #TB8512290 Report a problem
        5/27/2026Listed for sale$679,000+119%$463/sqft
        Source: Stellar MLS #TB8512290 Report a problem
        10/2/2013Sold$310,000+126.3%$212/sqft
        Source: Stellar MLS #U7577702 Report a problem
        4/9/1996Sold$137,000+7.3%$94/sqft
        Source: Public Record Report a problem
        10/28/1994Sold$127,700$87/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$7,690 +1.8%$455,948 +9.5%
        2024$7,556 +8.8%$416,482 +10%
        2023$6,944 +15.6%$378,620 +10%
        2022$6,009 +8.8%$344,200 +10%
        2021$5,524 -0.7%$312,909 +0.9%
        2020$5,562 +3%$310,186 +4.3%
        2019$5,400 $297,288 +1.6%
        2018$5,400 +4%$292,587 +2.6%
        2017$5,195 +16%$285,178 +21%
        2016$4,480 -0.8%$235,742 -0.7%
        2015$4,517 +10.8%$237,419 +15.5%
        2014$4,076 +21.8%$205,540 +26%
        2013$3,348 -8.1%$163,172 -9.1%
        2012$3,643 $179,449 -1.7%
        2011-- $182,481 -14.4%
        2010-- $213,192 -6.8%
        2009-- $228,656 -17.2%
        2008$5,058 $276,100 -31.9%
        2007-- $405,600 +59.2%
        2005-- $254,700 +20.7%
        2004$4,277 +8%$211,000 +8.4%
        2003$3,960 +32.5%$194,700 +21.7%
        2002$2,990 +4.2%$160,000 +12.1%
        2001$2,870 +8.6%$142,700 +8%
        2000$2,643 $132,100
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 33785

        Getting around

        34 / 100
        Car-Dependent
        56 / 100
        Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Anona Elementary-PN
        • Middle: Seminole Middle-PN
        • High: Seminole High-PN

        Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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