495 Harbor Drive, FL

$2,999,000

495 Harbor Drive

Indian Rocks Beach, FL 33785

Active
4
Beds
5
Baths
2,783
Sq Ft
0.4
Acres
1962
Built
WaterfrontWater accessPrivate pool3-car garage$1,078/sqft
🏠Single Family Residence

Property type

🏗️1962

Year built

📐17,285 sqft

Lot size

📊$1,078

Price / sq ft

🏘️No HOA

HOA dues

📅1

Day on market

🚗3

Garage spaces

🌊AE

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

Principal & interest$15,165
Property taxes$2,779
Home insurance (est.)$1,375

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

  1. Status: Active
    Jun 1, 2026
  2. Listed$2,999,000
    Jun 1, 2026
  3. 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

ElementaryAnona Elementary-PNGreatSchools ↗
MiddleSeminole Middle-PNGreatSchools ↗
High SchoolLargo High-PNGreatSchools ↗

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

RoomLevelDimensions
Family RoomFirst24x14
Dining RoomFirst23x14
Living RoomFirst21x16
KitchenFirst11x13
Primary BedroomFirst14x15
Bedroom 2First24x15
Bedroom 3First13x14
Bedroom 4First13x11
Balcony/Porch/LanaiFirst

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

High riskFEMA Zone AEPanel 12103C0114H

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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MLS GRID

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.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA