Sunset Bay
Homes for Sale in Indian Rocks Beach, FL
All 88 homes for sale in Indian Rocks Beach, FL · median $772,450 · 9 townhomes for sale in Indian Rocks Beach · 79 homes for sale in 33785 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
As of October 2026, Sunset Bay in Indian Rocks Beach, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $707,000, $427 per square foot, a median 62 days on market, sellers accepting 94% of original asking. Homes listed or recently sold were built 1997–1998; 5 of 5 report an HOA (median $834/mo); 5 of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 5 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $13,710 ($12,890 with the full homestead exemption).
Sunset Bay sits in Indian Rocks Beach, a narrow barrier-island stretch of Pinellas County where location does most of the pricing work. Proximity to the water, the specific position within the community, and the condition of the individual home tend to matter more than square footage alone, so expect a wide spread rather than a tidy price band.
With no clean way to quote a market trend from the current snapshot, treat each listing on its own merits. Buyers should underwrite condition and elevation carefully; sellers should lean on presentation and honest comps rather than assuming the address alone sets the number.
Figures in this note are as of July 14, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Sunset Bay right now
🟡 Balanced market. 4.0 months of supply and 50% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 12, 2026. Confidence: Low (2 active and pending listings, 3 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Sunset Bay market snapshot (as of September 12, 2026): the median sale price is about $707K ($427 per sq ft over the trailing 12 months of closed sales), a median 62 days on market for closed sales, and 4.0 months of supply, a balanced market.
In ZIP 33785 (Indian Rocks Beach), 162 homes closed in the last 12 months at a median of $530K ($476/sq ft), down 1.0% year over year, with a median 75 days on market. Right now 49 active and 10 pending listings put supply at about 4.3 months — a buyer's market. See the live ZIP 33785 housing market and the Pinellas County market.
Stellar MLS sales records identify 8 homes in Sunset Bay that have changed hands since 2009, built between 1996 and 1998 (median 1997), with a median living area of about 1,656 sq ft and a typical 3-bedroom, 3-bath layout; 75% are townhomes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Sunset Bay is a coastal community in Indian Rocks Beach, on the Gulf side of Pinellas County, where value is driven far more by water access and condition than by any single formula.
The setting & the homes.
Aerial and on-site photos of Sunset Bay. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Sunset BayPhotos from Stellar MLS listings in Sunset Bay; content deemed reliable but not guaranteed.
Who Sunset Bay is best for.
Best for
- Buyers set on a Gulf-side barrier-island lifestyle who have budgeted for coastal insurance and upkeep
- Second-home or seasonal buyers prioritizing walkable beach access over interior space
- Cash-comfortable buyers prepared to move on limited inventory when the right condition appears
Probably not for
- Buyers wanting a tightly predictable price band and easy comps
- Buyers unwilling to carry coastal flood and insurance costs
- Buyers looking to minimize maintenance and avoid salt-air and elevation concerns
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($707K) IS the median in the snapshot above.
Windows contain 0 to 3 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026. Deemed reliable but not guaranteed.
14% of homes for sale in ZIP 33785 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-20).
Sunset Bay Market Scorecard
Sunset Bay is currently a balanced market. About 4.0 months of supply, a median asking price of $609,900, and homes go under contract in about 119 days.
Typical home value in the 33785 ZIP is $705,653, about 43.3% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Sunset Bay
Live MLS inventory for Sunset Bay. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Sunset Bay listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026. Tap any home to ask about it.
Sunset Bay on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Anona Elementary-PN · Elementary
- Seminole Middle-PN · Middle
- Seminole High-PN · High
Zoned schools reflect the assignments reported on recent Sunset Bay listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Sunset Bay address.
Shop the zone: Homes zoned for Seminole High-Pn High School
The Sunset Bay buying strategy.
If we were buying in Sunset Bay today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Sunset Bay.
Living on the barrier island
Indian Rocks Beach is a compact barrier-island town, which shapes everything about owning here. Lots are finite, the walkable beach-town layout is part of the appeal, and buyers should factor in the realities of coastal ownership — flood zones, insurance, elevation, and salt-air maintenance — as core parts of the decision rather than afterthoughts.
Because inventory on a barrier island is inherently limited, the practical question is less about picking from many similar homes and more about what comes available and in what condition. That makes timing, diligence, and a clear-eyed read on any given property the difference between a good buy and an expensive lesson.
The location and the amenities are priced into every listing in Sunset Bay. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We work Northeast Florida and the wider Florida coastal market with a plain-spoken approach: we will walk you through flood, insurance, and condition questions before you fall for the view, and we will tell you when a specific Sunset Bay listing is not worth the number attached to it.
Sunset Bay in 15 seconds.
What it really costs to own in Sunset BayHomes for Sale
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $834/month across 5 MLS listings (most billed monthly; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1997 across 5 listings. An original roof here would be about 29 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Sunset BayHomes for Sale
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Sunset BayHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Sunset BayHomes for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $834/month (about $10,008/yr) · median of 5 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $834 per month ($10,008 a year) — the median AssociationFee across 5 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Sunset Bay buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Sunset Bay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sunset Bay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sunset Bay home worth?
Get a no-obligation home value based on real comparable sales in Sunset Bay, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Indian Rocks Beach →
Recently off market in Sunset Bay
Homes in Sunset Bay that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 140 Marcdale Boulevard · off market
Last 30 days in Sunset Bay: 1 closed sale (median $685,000). As of October 20, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
| Location | Indian Rocks Beach, Pinellas County, FL · ZIP 33785 |
|---|---|
| Homes in the community | 31 (FL DOR 2025 assessment roll) |
| Years built | 1996–1998 (median 1997.0) |
| Typical living area | 1,656 sq ft (median) |
| Home types (current listings and sales) | townhouses 100% |
| Amenities listed by sellers | Golf Carts OK, Buyer Approval Required, Pool, Association Recreation - Owned, Community Mailbox, Irrigation-Reclaimed Water |
| Sale prices, last 12 months | $707,000 median across 3 closed sales · $427 per sq ft |
| Days on market (closed sales) | 62 median |
| For sale right now | 1 active, 1 pending · median asking $609,900 · 4.0 months of supply |
| Owner-occupied (homestead) share | 64% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Sunset Bay key facts,” movewithmomentum.com/neighborhoods/sunset-bay-indian-rocks-beach, data as of September 20, 2026.
Housing distress & ownership in Sunset Bay, INDIAN ROCKS BEACH
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Sunset Bay Indian Rocks Beach Right Now (1)
All 1 active and pending Sunset Bay Indian Rocks Beach listings with a detail page, newest first, refreshed twice a day from the MLS.
- 124 Marcdale Boulevard · $609,900 · 3 bd / 3 ba · listed Jul 22, 2026 · listed by Coldwell Banker Realty
More Indian Rocks Beach home searches
- All homes for sale in Indian Rocks Beach, FL
- Homes for sale in Pinellas County, FL
- Indian Rocks Beach pool homes for sale
- Indian Rocks Beach waterfront homes for sale
- Homes from $300K to $500K in Indian Rocks Beach
- 4-bedroom homes for sale in Indian Rocks Beach
- ZIP 33785 housing scorecard
Indian Rocks Beach guides & data
- Market data
- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- Home insurance cost
- New construction (Pinellas County)
- Home builders (Pinellas County)
Florida buyer guides
Frequently Asked Questions
What is the median home price in Sunset Bay?
How long do homes in Sunset Bay take to sell?
Is Sunset Bay a buyer's or seller's market right now?
Who is the best real estate agent for Sunset Bay?
How do I find a top Indian Rocks Beach real estate agent who knows Sunset Bay?
Can Momentum Realty connect me with an agent for Sunset Bay?
Where is Sunset Bay, and what county is it in?
Should you buy in Sunset Bay?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2015 (12 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Sunset Bay fits the bigger picture — live prices, inventory, and Momentum Scores:
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