19823 Gulf Boulevard, Unit 45Indian Shores, FL 33785Price: $400,000

At most Florida beach condos, $500 a month doesn't cover flood insurance alone. At unit #45 of Sea Shell in Indian Shores, it covers so much more: cable, internet, water, sewer, trash, flood insurance, and grounds maintenance. Next, add legal short-term rentals with 1-7 day zoning, plus two dedicated parking spaces directly out front of this rare, ground-level unit. Steps to the Gulf of Mexico. Steps to the Intracoastal. Residents and guests enjoy a pool, dock and fishing pier, and the location is truly walkable. Inside, everything is new: LVP flooring throughout, all new appliances including range, microwave, refrigerator, washer and dryer. Roof replaced 2025. HVAC and water heater installed 2026. All work permitted and completed by a licensed contractor. No milestone or SIRS requirements. A well-managed association that is easy to communicate with. The second bedroom is configured as a pass-through from the primary; flexible for guests, a dedicated home office, or whatever your rental strategy requires. Out-of-state buyer? The same designer who furnished the prior Airbnb is available to help you hit the ground running.This is what a smart beach acquisition looks like. Whether you're buying for personal use, short-term rental income, or both, 19823 Gulf Blvd #45 makes the financial case for itself that is nearly impossible to find anywhere else on this coastline.