Waterfront Homes for Sale in Indian Rocks Beach, FL

This page tracks every Indian Rocks Beach listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.

53 waterfront homes are for sale or pending in Indian Rocks Beach, FL today across 38 communities. The median asking price is $995,000, from $297,000 to $10,900,000. Listings in Indian Rocks Beach without that feature have a median of $1,995,000. Most listings right now: Harbourside At Marker 33 Vacation Condo (4), Indian Rocks (3), Windrush Cove Ph 1 Condo (3). Updated September 8, 2026 from the MLS.

Indian Rocks Beach waterfront homes by community

Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.

Community	Waterfront Homes	New build	Median list	From
Harbourside At Marker 33 Vacation Condo	4	0	$636,950	$629,000
Indian Rocks	3	2	$3,795,000	$3,595,000
Windrush Cove Ph 1 Condo	3	0	$349,000	$299,900
Indian Beach Re-Revised 1St Add	2	1	$2,524,000	$1,050,000
Chez Soleil Condo	2	0	$1,975,000	$1,450,000
Bahia Vista Sub	2	0	$1,524,500	$1,099,000
Indian Beach Re-Revised 6Th Add	2	0	$1,332,000	$869,000
Happy Fiddler Condo The	2	0	$916,250	$837,500
Sunset Bay Indian Rocks Beach	2	0	$679,450	$609,900
Fifty Gulfside Condo	2	0	$544,495	$499,990
La Hacienda Condo	2	0	$532,000	$495,000
Indian Rocks Beach	1	1	$8,950,000	$8,950,000
Sunburst Cove Condo	1	0	$4,250,000	$4,250,000
Indian Beach Re-Revised	1	0	$4,200,000	$4,200,000
Indian Beach Re-Revised 5Th Add	1	0	$3,700,000	$3,700,000
Browns Add To Re-Rev Map Of Indian Beach	1	0	$2,849,900	$2,849,900
Haven Beach Tr B Rep	1	0	$1,995,000	$1,995,000
La Hacienda 1St Add	1	0	$1,750,000	$1,750,000
Indian Beach Re-Revised 10Th Add	1	0	$1,675,000	$1,675,000
Indian Beach Re-Revised 12Th Add	1	0	$1,549,000	$1,549,000
Indian Beach Re-Revised 20Th Add	1	0	$1,395,000	$1,395,000
Indian Beach Re-Revised 9Th Add	1	0	$1,300,000	$1,300,000
Indian Beach Re-Revised 15Th Add	1	0	$1,279,000	$1,279,000
Cove At Indian Rocks Beach	1	0	$1,240,000	$1,240,000
Sea Horse Condo	1	0	$1,149,000	$1,149,000
Beach House Of Indian	1	0	$1,100,000	$1,100,000
Dolphin Reef Condo	1	0	$1,000,000	$1,000,000
La Hacienda Rep	1	0	$949,000	$949,000
Landings At Windrush The Condo	1	0	$949,000	$949,000
Seashore Manor Condo	1	0	$875,000	$875,000
Reflections On The Gulf Condo	1	0	$775,000	$775,000
Intercoastal The Condo	1	0	$619,000	$619,000
Chateaux Condo	1	0	$600,000	$600,000
Holiday Villas 2	1	0	$539,000	$539,000
Barefoot Beach Resort Of Indian Shores	1	0	$494,800	$494,800
Indian Sunset Beach Condo	1	0	$475,000	$475,000
Curlew Landings South	1	0	$449,000	$449,000
Belleview Gulf Condo	1	0	$297,000	$297,000

What waterfront ownership really costs

Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.

Questions to ask about any waterfront listing

Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.

Common questions

How many waterfront homes are for sale in Indian Rocks Beach?

As of September 8, 2026, 53 Indian Rocks Beach, FL listings whose MLS record reports waterfront are active or pending, across 38 communities. The count updates with every MLS refresh.

What do waterfront homes cost in Indian Rocks Beach?

The median asking price today is $995,000, with listings from $297,000 to $10,900,000. Indian Rocks Beach listings without that feature have a median of $1,995,000.

Which Indian Rocks Beach community has the most waterfront homes for sale?

Harbourside At Marker 33 Vacation Condo has the most right now (4), followed by Indian Rocks (3), Windrush Cove Ph 1 Condo (3), Indian Beach Re-Revised 1St Add (2).

Is a waterfront home always in a flood zone?

Not always, but most direct-frontage parcels are in a FEMA special flood hazard area, which means a lender will require flood insurance. The elevation certificate and the exact zone for the parcel decide the premium; two homes on the same canal can differ by thousands a year.

Keep exploring Indian Rocks Beach

Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Indian Rocks Beach, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.

Listings courtesy of Stellar MLS as distributed by MLS GRID.