$2,999,000
495 Harbor Drive
Indian Rocks Beach, FL 33785
Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
Garage spaces
Flood zone
About this home
A 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. 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 for recreation, 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. It has the potential to rebuild or split into two lots.
Estimated monthly payment
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 history1 days on market
- Status: ActiveJun 1, 2026
- Listed$2,999,000Jun 1, 2026
- Price increased$2,999,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 1
- Subdivision
- Indian Beach Re-Revised 23rd Add
- County
- Pinellas
- Year built
- 1962
- Living area
- 2,783 sq ft
- Price/sq ft
- $1,078
- Building area
- 4,148 sq ft (Public Records)
- Lot size
- 17,285 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- AE (12103C0114H)
- Garage
- 3 spaces
- Pool
- Private pool
- Annual taxes
- $33,342 (2025)
- Parcel #
- 06-30-15-42444-000-0190
- MLS #
- TB8513956
Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Half bathrooms
- 2
- Flooring
- Luxury Vinyl, Tile
- Appliances
- Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Solid Wood Cabinets, Thermostat, Window Treatments
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- West
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 3
- Attached garage
- Yes
- Parking features
- Driveway, Garage Door Opener, Oversized
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Min lease term
- 3 Months
- Listing terms
- Cash, Conventional
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyer to verify rental restrictions with the township.
Exterior & Construction
- Exterior features
- French Doors, Outdoor Grill, Outdoor Shower, Sliding Doors
- Construction materials
- Block, Concrete, Stucco
- Roof
- Shingle
- 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 Available, Electricity Available, Public, Sewer Available
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Family Room | First | 24x14 |
| Dining Room | First | 23x14 |
| Living Room | First | 21x16 |
| Kitchen | First | 11x13 |
| Primary Bedroom | First | 14x15 |
| Bedroom 2 | First | 24x15 |
| Bedroom 3 | First | 13x14 |
| Bedroom 4 | First | 13x11 |
| Balcony/Porch/Lanai | First |
Listing Details
- Listing date
- 2026-06-01
- On market date
- 2026-06-01
- Original list price
- $2,999,000
- Occupant type
- Tenant
- MLS area
- 33785 - Indian Rocks Bch/Belleair Bch/Indian Shores
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-06-01
- Tax legal description
- INDIAN BEACH RE-REVISED 23RD ADD LOTS 19 AND 20
Flood risk
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 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.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of June 2, 2026 at 8:19 AM ET. 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.
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