Pending

495 Harbor Drive

INDIAN ROCKS BEACH, FL 33785
Mark as Favorite
Bed 4

Bed

Bath 5

Bath

SqFt2,783

Sqft

Acres0.43

Acre(Lot)

Under contract-accepting backup offers. Rare waterfront retreat in the heart of Indian Rocks Beach. This extraordinary waterfront estate offers a level of privacy, serenity and coastal beauty that is rare. THIS HOME TOOK ON ZERO WATER INTRUSION. Set on an expansive "DOUBLE LOT" with 216 feet of water frontage, the property feels like a private resort, surrounded by lush tropical landscaping featuring mature palms that create a secluded paradise. Enjoy panoramic views, dolphins play just beyond the dock and relax beside the pool. Professional landscape lighting transforms the property into a magical waterfront oasis, creating the ideal backdrop for an evening swim, cocktails around the fire table or dining under the stars. The outdoor pool, shower and bath work well to avoid unnecessary wet entry to the main house. Boaters/anglers alike will appreciate the waterfront amenities, a large dock installed 2021, with water service, electrical hookups, a 24,000-pound and 10,000-pound boat lift. Whether heading out for a day on the water or casting a line from your backyard, this property is designed to embrace the waterfront lifestyle. Multiple outdoor gathering spaces offer something for everyone. The covered patio provides a comfortable retreat for grilling, entertaining, or watching the game, while the expansive lawn offers endless possibilities: a future putting green or additional outdoor enhancements. A tucked away section of the property presents an opportunity for a hot tub, tiki hut or additional private retreat. The fenced yard provides a space for pets. Inside, the thoughtful design accommodates everyday living and entertainment. This property is fully furnished and decorated, making it turnkey ready for instant rentals or staying the night yourself. Primary suite enjoys direct pool access and captures beautiful sunrise views. Split-bedroom floor plan offers privacy. One guest bedroom features stunning Intracoastal views, while the flexible fourth bedroom can easily serve as a home office or den. The spacious living areas comfortably accommodate large gatherings, with a generous dining room, an inviting sunroom ideal for morning coffee and a separate family room that opens directly to the covered patio. The well-appointed kitchen offers abundant cabinetry and workspace, with excellent potential for a future open-concept redesign. A large laundry room provides additional storage and flexibility for future customization. Designed for effortless indoor-outdoor living, this home has hosted everything from family reunions to weddings and offers a floor plan that seamlessly blends comfort, functionality and entertaining space. On a quiet cul-de-sac with friendly neighbors and a mix of full-time and seasonal residents, the setting is peaceful while remaining incredibly convenient. Enjoy a short golf cart ride to the beach, local restaurants, parks and the beloved Indian Rocks Beach Art Center. Seeking an investment opportunity, the property has a proven history as a successful short-term rental. Its unique combination of privacy, waterfront amenities and prime location has made it a favorite among guests, creating an exceptional experience for visitors while maintaining harmony with the surrounding neighborhood. Searching for a primary residence, vacation retreat or potential income-producing waterfront property, this remarkable coastal estate offers a lifestyle that must be experienced to be fully appreciated. Additionally, It has the potential to rebuild or split into two lots

Read More Expand

Detail Ic Property Details

Property Type : Residential

Price : $2,999,000

AD Id : 79729737

MLS Id : MFRTB8513956

Beds : 4

Lot Size : 0.43 Acre

Living Area Size : 2,783

Year Built : 1962

Garage : 3

County : Pinellas

Subdivision: Indian Beach

  • Map Map

Map

Map What's Nearby

Map Nearby Areas

Feature Features

  • Bedroom Information

    Total Bedroom: 4

    Bathroom Information

    Total Baths: 5 Full Baths: 3 Half Baths: 2

    Interior Features

    Ceiling Fans(s), Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Solid Wood Cabinets, Thermostat, Window Treatments Roof: Shingle Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer Laundry Features: Inside, Laundry Room

    Roofing Information

    Shingle
  • Flooring Information

    Flooring: Luxury Vinyl, Tile Construction Materials: Block, Concrete, Stucco
  • Heating & Cooling

    Heating: Central Cooling: Central Air Water front: 1 WaterSource: Public

  • Building Information

    Year Built: 1962
  • Exterior Features

    French Doors, Outdoor Grill, Outdoor Shower, Sliding Doors Construction Materials: Block, Concrete, Stucco Foundation Details: Slab
  • Pool Features

    Private Pool: 1 Fiberglass, Heated, In Ground

  • Lot Information

    Lot Dimensions: 120x216 Lot Square Feet: 18960 Lot Acres: 0.43 Lot Size (SqMt): 1761

    Property Information

    Property Type: Residential Sub Type: Single Family Residence

  • Listing Price Information

    Original List Price:$2999000

  • Tax Information

    Tax Block: 0 Tax Book Number: 38-75 Tax Lot: 19 Tax Legal Description: INDIAN BEACH RE-REVISED 23RD ADD LOTS 19 AND 20 Annual Tax: $33342.01 Tax Year: 2025 Parcel Number: 06-30-15-42444-000-0190

  • Parking Information

    Driveway, Garage Door Opener, Oversized

    Garage Information

    Has Garage: Yes Garage Space: 3

  • School Information

    Elementary School: Anona Elementary-PN Junior High School: Seminole Middle-PN Senior High School: Largo High-PN
  • Utility Information

    BB/HS Internet Available, Cable Available, Electricity Available, Public, Sewer Available Sewer: Public Sewer Water Source: Public
  • Location Information

    Subdivision: INDIAN BEACH RE-REVISED 23RD ADD City: INDIAN ROCKS BEACH Direction: From the Belleair Causeway, Go South on Gulf Blvd, Go East "Left" on 28th Ave, Go South "Right" on Harbor Dr, Stay to the Left, Follow Harbor Dr to the Address at the end of the Cal de sac.
Sell a home like this and save $179,441 Find out How

How much is this property worth?

Curious about this home's true market value? Use our free Home Evaluation Tool to instantly get a personalized Comparative Market Analysis (CMA) report. Make smarter, data-driven decisions before you buy.

Images
Loading, please wait...

Nearby Home Value

Broker Logo

Disclaimer: The information being provided courtesy of MFRMLS (My Florida Regional MLS DBA Stellar MLS) as distributed by MLS GRID and is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of the MFRMLS (My Florida Regional MLS DBA Stellar MLS). ByOwner.com is not a Multiple Listing Service (MLS), nor does it offer MLS access. ByOwner.com is a broker participant of MFRMLS (My Florida Regional MLS DBA Stellar MLS). This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site.

Based on information submitted to the MLS GRID as of 07/18/2026 @ 06:20. All data is obtained from various sources and may not have been verified by the broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Properties displayed may be listed or sold by various participants in the MLS.

Consumer use of IDX Listings Disclaimer: Based on information submitted to the MLS GRID as of 07/18/2026 @ 06:20. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. The data is deemed reliable but is not guaranteed by MLS GRID. The use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant’s applicable MLS if any and as amended from time to time.


DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com.
“The DMCA requires that your notice of alleged copyright infringement include the following information:
(1) description of the copyrighted work that is the subject of claimed infringement;
(2) description of the alleged infringing content and information sufficient to permit us to locate the content;
(3) contact information for you, including your address, telephone number and email address;
(4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law;
(5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and
(6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

ByOwner last updated this listing 07/18/2026 @ 06:20

MLS: MFRMLS #TB8513956 LISTED BY: Michael Perez PA, PREMIER SOTHEBY'S INTL REALTY 727-595-1604 SOURCE: MFRMLS (My Florida Regional MLS DBA Stellar MLS) (Listings courtesy of MFRMLS (My Florida Regional MLS DBA Stellar MLS) as distributed by MLS GRID)

Homes around $2,999,000

Selling? Save $179,441 when you sell a home like this

Tour with a ByOwner Agent