The story of this market
The typical home in ZIP 33785 sells for about $513,000, or $588 per square foot.
Homes take about 87 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,948 a month.
ZIP 33785 — Indian Rocks Beach
The 33785 housing market is currently characterized by high valuations and rising days on market, suggesting a cooling trend. Affordability remains a significant challenge, with market analysis indicating a need for price corrections to align with current buyer demand.
This ZIP is best suited for retirees, second-home owners, and investors looking for coastal property, as the high price point and tourism-heavy environment may be less ideal for traditional family buyers or commuters.
Median prices moved sideways 0.0% year over year.
Homes spend a median of 87 days on market with 0.0 months of supply — a slower-moving market.
0% of listings have cut prices · homes sell at 0% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.1% · poverty 10.4% — a stable, low-distress profile.
ZCTA 33785, Pinellas County FL
The area is a coastal barrier island environment with significant exposure to wind and flood risks, impacting property insurance availability and premiums.
The area is largely built-out with limited capacity for large-scale new development, focusing primarily on residential redevelopment and tourism-related infrastructure.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Florida) — Statewide Uniform Property Tax Lien Priority & Tax Deed Sale Enforcement: Unpaid real ad valorem and non-ad valorem taxes become a first-priority sovereign lien on January 1 of the tax year, superior to all mortgages and private liens. If unpaid by April 1 following the tax year, tax certificates are sold via competitive bidding under § 197.432. State (Florida) — Community Development District (CDD) Special Assessment & Financing Lien Mandate: Binds the parcel to non-ad valorem assessments levied directly by the CDD board to fund infrastructure bonds (capital assessments) and operations/maintenance (O&M assessments). State (Florida) — Florida Constitutional Homestead Exemption & Save Our Homes (SOH) Assessment Cap: Reduces taxable value by up to $50,000: base $25,000 exemption applies to all taxing authorities (including school districts); second $25,000 exemption applies to assessed value between $50,000 and $75,000 for non-school millage. State (Florida) — Florida Ad Valorem Real Property Assessment & Tax Mechanics: Parcels are assessed annually at 100% just value (market value) as of January 1 by county property appraisers. Tax formula: Tax Bill = (Taxable Value / 1,000) * Total Levied Millage Rate. Assessed Value = Just Value - Assessment Limitations.
Commuting from this barrier island requires travel via bridges to the mainland, with primary access routes connecting to the broader Tampa Bay employment core.
The area features extensive public beach access, waterfront parks, and proximity to coastal recreational activities, with local shopping and dining concentrated along the main beach corridors.
The rental market is heavily influenced by seasonal tourism and short-term rental demand, with limited long-term inventory available for residents.
The local economy is primarily driven by tourism, hospitality, and service industries catering to beach visitors and seasonal residents.
Property insurance in this coastal ZIP is subject to high premiums and limited carrier availability due to significant hurricane and flood exposure.
Data sourced from US Census Bureau ZCTA profiles.
- Splash Harbour Water Park4.30.5 mi
- Capybara Cafe4.77.8 mi
- Sky Zone Trampoline Park4.67.3 mi
- Celebration Station Clearwater4.410.4 mi
- Congo River Golf4.78.6 mi
- Topgolf Saint Petersburg4.411.5 mi
- Sunken Gardens4.714.7 mi
- Innisbrook Resort4.516.5 mi
- Ruth Eckerd Hall4.710.7 mi
- Island Grand at TradeWinds4.412.8 mi
- Honeymoon Island State Park4.712.2 mi
- Clearwater Marine Aquarium4.26.4 mi
- Treasure Island Beach4.89.7 mi
- John's Pass Village & Boardwalk4.68.3 mi
- Florida Botanical Gardens4.82.6 mi
- The Dalí Museum4.715.9 mi
- Tarpon Springs Sponge Docks4.719.2 mi
- Imagine Museum: Contemporary glass art4.814.2 mi
- Weedon Island Preserve4.815.1 mi
- FloridaRAMA4.414.1 mi
- Honeymoon Island State Park4.712.2 mi
- Florida Botanical Gardens4.82.6 mi
- Largo Central Park4.84.4 mi
- Sand Key Park4.75 mi
- Coachman Park4.76.1 mi
- Harborage Marina4.715.8 mi
- St Petersburg Yacht Club4.715.6 mi
- City of Gulfport Municipal Marina4.613.9 mi
- Isla Del Sol Yacht & Country Club4.614.6 mi
- Loggerhead St. Petersburg Marina4.616 mi
- Topgolf Saint Petersburg4.411.5 mi
- Bardmoor Golf & Tennis Club3.76.4 mi
- Cove Cay Golf Club3.78.4 mi
- Smugglers Cove Adventure Golf4.66.5 mi
- Pelican Golf Club4.73.9 mi
- Countryside Mall4.511.4 mi
- Tyrone Square4.39.7 mi
- John's Pass Village & Boardwalk4.68.3 mi
- MD Oriental Market4.59.7 mi
- John's Pass4.68.3 mi
- Tampa International Airport4.620.5 mi
- St. Pete–Clearwater International Airport4.410 mi
- Rightway Parking4.324.4 mi
- Ambassador Limousine4.821.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Public beach access points along the Gulf of Mexico.
Local community park with recreational facilities.
Key-figure check: median price diverges 37.6% from the nearest retained anchor (published ten-year series (2024)) — beyond the 12.5% tolerance; an automated validation case is open and the value publishes pending its verdict. Research outlier held out — this pass returned a median of $705,654 (37.6% off the retained reading), contradicting every independent anchor; the prior reading stands pending corroboration. Validation: the flagged $705,654 (+37.6% vs the published ten-year series (2024)) could not be independently corroborated and was reverted to the prior cycle value pending review; the case is under review in the Command Center.