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$3,690,000

306 Harbor DriveIndian Rocks Beach, FL 33785

Listing updated: November 10, 2026 at 9:56 PM ET

Active
Stellar MLSListing courtesy of Keller Williams Realty Portfolio Collection · Kelly Ackley · MLS #TB8467679 · Active · 727-489-0800
5
Beds
4
Baths
4,571
Sq Ft
0.21
Acres
2004
Built
◆Waterfront◆Water access◆Private pool◆Fireplace◆5-car garage◆$807/sqft◆360° tour
Single Family Residence

Property type

2004

Year built

9,013 sqft

Lot size

$807

Price / sq ft

No HOA

HOA dues

480

Days on market

5

Garage spaces

AE

Flood zone

About this home

Virtually Staged. **A FRESH NEW LOOK. AN EXCEPTIONAL WATERFRONT LIFESTYLE. NOW OFFERED AT $3,690,000.** Discover the stunning transformation of 306 Harbor Drive, a custom-built luxury waterfront estate in Indian Rocks Beach, Florida, now beautifully refreshed with a newly painted interior featuring a sophisticated palette of soft whites and warm creams. Light, bright, and move-in ready, this remarkable residence offers a fresh coastal aesthetic while preserving the craftsmanship, generous living spaces, and extraordinary boating amenities that make it truly special. Situated directly on the deep-water Intracoastal Waterway with direct Gulf access, this 4,571-square-foot home features 5 bedrooms, 4 bathrooms, a private dock with a 25,000 lb boat lift, jet ski lifts, a saltwater pool, heated spa, private elevator, rooftop terrace, and breathtaking panoramic water views. Designed and originally built by its builder-owner, the residence was thoughtfully created to maximize waterfront living, entertaining, and the beauty of its surroundings. Expansive living and dining areas are filled with natural light, while the newly refreshed interiors provide a beautiful, neutral backdrop for any decorating style. The chef's kitchen features custom wood cabinetry, granite countertops, a spacious island, walk-in pantry, and butler's pantry, opening to inviting gathering spaces overlooking the water. The extraordinary 27-by-37-foot primary suite offers a private waterfront balcony, fireplace, generous closets, and spa-inspired bathroom, creating a peaceful retreat above the Intracoastal. Multiple levels of indoor and outdoor living provide room to entertain, relax, and embrace the Florida coastal lifestyle. The lower-level entertainment space opens to a private waterfront oasis complete with a saltwater pool, heated spa, expansive patio, and dock. The home's desirable eastern rear exposure welcomes beautiful morning sunshine while providing welcome afternoon shade during Florida's warmer months. Above it all, the rooftop terrace delivers sweeping Intracoastal views and an unforgettable setting for waterfront sunsets. Additional highlights include a 5-car garage, an optional climate-controlled fitness space, smart home technology, high ceilings, and NO HOA. **BOATERS WILL APPRECIATE THE DEEP WATER, DIRECT GULF ACCESS, AND 25,000 LB BOAT LIFT**, offering the freedom to enjoy fishing, cruising, and spontaneous days on the water just steps from home. An assumable flood insurance policy of approximately $1,800 annually adds another valuable advantage, subject to carrier approval. **SHORT-TERM RENTALS ARE PERMITTED**, presenting an exciting opportunity for buyers seeking a luxury primary residence, second home, or income-producing vacation rental in one of Tampa Bay's most desirable beach communities, subject to applicable licensing and regulations. Just a short walk from the sugar-sand beaches of the Gulf of Mexico, local restaurants, Brown Park, and neighborhood recreation, this exceptional property combines the charm of Indian Rocks Beach with convenient access to Clearwater Beach, Downtown St. Petersburg, and Tampa International Airport. Wake up to dolphins playing in the Intracoastal, spend your afternoons exploring the Gulf, and end your evenings surrounded by shimmering water views. *NEW LOOK. SAME EXTRAORDINARY WATERFRONT LOCATION.* Schedule your private showing today and experience the transformation firsthand. Full video walkthrough available upon request.

Estimated monthly payment

Principal & interest$18,659
Property taxes$2,044
Home insurance (est.)$1,691

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history480 days on market

  1. Status: Active
    Sep 7, 2026
  2. Listed$1,989,000
    Jan 22, 2026
  3. Price increased$3,690,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
480
Cumulative DOM
480
Subdivision
Indian Beach Re-Revised 5th Add
County
Pinellas
Year built
2004
Living area
4,571 sq ft
Price/sq ft
$807
Building area
7,104 sq ft (Public Records)
Lot size
9,013 sq ft
Lot category
0 to less than 1/4
Flood zone
AE (12103C0112H)
Garage
5 spaces
Pool
Private pool
Annual taxes
$24,526 (2024)
Parcel #
06-30-15-42120-000-0030
MLS #
TB8467679

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Interior Details

Bedrooms
5
Full bathrooms
4
Flooring
Carpet, Ceramic Tile, Wood
Appliances
Bar Fridge, Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Filtration System, Wine Refrigerator
Interior features
Built-in Features, Cathedral Ceiling(s), Ceiling Fans(s), Coffered Ceiling(s), Dry Bar, Eat-in Kitchen, Elevator, Kitchen/Family Room Combo, PrimaryBedroom Upstairs, Smart Home, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
Laundry
Inside
Stories / Levels
Three Or More
Direction faces
Southwest
Fireplace
Yes

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air, Mini-Split Unit(s)

Parking

Garage spaces
5
Attached garage
Yes

HOA & Financial

Total monthly fees
None
Total annual fees
None
CDD
No
Homestead exemption
Yes
Min lease term
1-7 Days
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No
Additional lease restrictions
Verify rental restrictions with City of Indian Rocks Beach
Approval process
Verify process with City of Indian Rocks Beach

Exterior & Construction

Exterior features
Balcony, Hurricane Shutters, Private Mailbox, Rain Gutters
Construction materials
Block, Stucco, Frame
Roof
Tile
Foundation
Slab
Pool
Private pool
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

Room Details

RoomLevelDimensions
Primary BedroomThird27x37
Primary BathroomThird18x14
Bedroom 2Third17x14
Bedroom 3Third15x14
Bedroom 4Second14x14
Bedroom 5Second14x14
KitchenSecond15x17
Living RoomSecond18x18
Dining RoomSecond17x13
DinetteSecond9x13
LaundryThird10x7

Listing Details

Listing date
2026-01-22
On market date
2026-01-22
Original list price
$1,989,000
Occupant type
Owner
MLS area
33785 - Indian Rocks Bch/Belleair Bch/Indian Shores
Listing AOR
Suncoast Tampa
Status changed
2026-09-07
Tax legal description
INDIAN BEACH RE-REVISED 5TH ADD LOT 3

Flood risk

High riskFEMA Zone AEPanel 12103C0112H

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From US 19, head West on East Bay Drive. Take Left at Gulf Blvd, Left on 27th Ave N, Left on Bay Blvd, Right on Harbor Dr, 2nd House on Left

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