478 Harbor Drive, FL
Stellar MLS

$2,695,000

478 Harbor Drive

Indian Rocks Beach, FL 33785

Listing updated: June 9, 2026 at 6:51 AM ET

Active
4
Beds
3
Baths
3,135
Sq Ft
0.16
Acres
2015
Built
WaterfrontWater accessPrivate pool$860/sqft360° tour
Single Family Residence

Property type

2015

Year built

7,187 sqft

Lot size

$860

Price / sq ft

No HOA

HOA dues

1

Day on market

2

Garage spaces

AE

Flood zone

About this home

Coastal Key West Waterfront Retreat in Coveted Indian Rocks Beach. Perfectly positioned on a quiet cul-de-sac in highly sought-after Indian Rocks Beach, this Key West-inspired waterfront residence offers sweeping western water views, spectacular sunsets, and the quintessential Florida lifestyle. Built in 2015, this 4 bedroom 3 bath three-story home combines quality craftsmanship, thoughtful design, and modern conveniences in a premier waterfront setting. Designed for both entertaining and everyday living, the main level features an expansive living area and a gourmet kitchen with custom cabinetry, granite countertops, a walk-in pantry, chef's island with prep sink and cooktop, and premium stainless steel appliances. The adjoining dining and living spaces are framed by panoramic water views, creating a seamless connection between indoor and outdoor living. Thoughtful upgrades throughout include hand-scraped hardwood flooring, Travertine tile, a custom built-in entertainment center, and a private elevator providing convenient access to all levels. Two bedrooms and a full bath are located on the main living level, with one bedroom offering flexibility as a home office, den, or formal dining space. The upper level is dedicated to private living quarters, highlighted by a spacious primary suite featuring a private waterfront balcony, oversized walk-in closet, custom built-in cabinetry, and a spa-inspired bath with a jetted soaking tub positioned to capture breathtaking sunset views. An additional bedroom completes the top floor. The entry level offers a spacious two-car garage and a large flex space with sliding glass doors opening to lush tropical landscaping. Outside, the resort-style waterfront setting is designed for relaxation and recreation, featuring a heated pool, deep-water dock with 20,000lbs boat lift, expansive entertaining areas, and dedicated storage for paddleboards, kayaks, and other waterfront gear. Just minutes from the Gulf of Mexico, the property's deep-water dock and boat lift provide convenient access for boating, fishing, island hopping, and waterfront adventures. Indian Rocks Beach is one of Florida's most desirable coastal communities, known for its golf-cart-friendly atmosphere, sugar-sand beaches, waterfront dining, parks, and family-friendly attractions. Whether you're seeking a primary residence, second home, or waterfront investment property, this exceptional residence offers an outstanding opportunity to enjoy the best of Florida coastal living while benefiting from the area's strong short-term rental demand.

Estimated monthly payment

Principal & interest$13,627
Property taxes$2,882
Home insurance (est.)$1,235

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 8, 2026
  2. Listed$2,695,000
    Jun 8, 2026
  3. Price increased$2,695,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
1
Cumulative DOM
56
Subdivision
Indian Beach Re Revised 23rd Add
County
Pinellas
Year built
2015
Living area
3,135 sq ft
Price/sq ft
$860
Building area
5,840 sq ft (Public Records)
Lot size
7,187 sq ft
Lot category
0 to less than 1/4
Flood zone
AE
Garage
2 spaces
Pool
Private pool
Annual taxes
$34,585 (2024)
Parcel #
06-30-15-42444-000-0250
Zoning
SINGLE
MLS #
TB8517047

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Interior Details

Bedrooms
4
Full bathrooms
3
Flooring
Carpet, Ceramic Tile, Wood
Appliances
Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
Interior features
Built-in Features, Ceiling Fans(s), Eat-in Kitchen, Elevator, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s), Wet Bar, Window Treatments
Laundry
Inside
Stories / Levels
Three Or More
Direction faces
Northeast

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Covered, Driveway, Garage Door Opener, Golf Cart Garage, Golf Cart Parking, Ground Level, Guest, Oversized

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Min lease term
No Minimum
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Balcony, Lighting, Sliding Doors
Construction materials
Block, Stucco, Frame
Roof
Metal
Foundation
Block, Slab
Pool
Private pool
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Available, Electricity Available, Natural Gas Available, Phone Available, Sewer Available, Water Available

Community

Pets allowed
Yes

Room Details

RoomLevelDimensions
Primary BedroomThird16x18
Primary BathroomThird8x14
Game RoomFirst38x29
KitchenSecond19x19
Living RoomSecond20x23
Balcony/Porch/LanaiSecond39x7

Listing Details

Listing date
2026-06-05
On market date
2026-06-08
Original list price
$2,695,000
Occupant type
Owner
MLS area
33785 - Indian Rocks Bch/Belleair Bch/Indian Shores
Listing AOR
Suncoast Tampa
Status changed
2026-06-08
Tax legal description
Indian Beach Re-Revised 23rd add lot 25 riparian rights

Flood risk

High riskFEMA Zone AE

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

Gulf Boulevard to east on First Street. Turn east to Harbor Drive to east on Harbor. Drive south to end of street to address.

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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 9, 2026 at 6:51 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