

$1,185,000
404 Harbor DriveIndian Rocks Beach, FL 33785
Listing updated: October 16, 2026 at 2:09 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Discover coastal living at its finest on one of the most desirable streets in Indian Rocks Beach, surrounded by multimillion-dollar homes and just a short stroll to the beautiful sandy beaches of the Gulf Coast! This beautifully updated 3-bedroom, 2-bathroom home with a 2-car garage offers a desirable open floor plan, stylish modern finishes, and exceptional indoor-outdoor living. The stunning, renovated kitchen is the heart of the home, featuring new white shaker cabinetry with crown molding, quartz countertops, stainless steel GE Profile appliances, three pantries with convenient pullout storage, and a stainless steel farmhouse sink with a touchless faucet. The impressive 49” x 83” island provides abundant workspace and seating, along with a built-in drawer microwave and soft-close cabinetry on both sides. Both bathrooms showcase contemporary finishes and spa-inspired features. The guest bathroom offers a rain shower with a handheld showerhead, new cabinetry, quartz countertops, and modern porcelain tile from floor to ceiling. The primary suite features plank-style porcelain tile flooring, a walk-in closet, and a beautifully appointed bathroom with quartz countertops, marble flooring, floor-to-ceiling porcelain tile, and a rain shower with a handheld showerhead. The two guest bedrooms feature fresh paint, stylish barn doors, and updated finishes, with one offering a spacious walk-in closet. New 2’ x 4’ porcelain tile flooring installed in 2026 adds a clean, contemporary feel throughout the home. Additional improvements include a 2024 whole-home Trane air purification system, a new roof installed in 2022, and a new water heater in 2026. Step outside to a spacious, fenced backyard with attractive landscaping and plenty of room to create your own private poolside oasis. Enjoy the relaxed lifestyle that makes Indian Rocks Beach so special. This golf-cart-friendly coastal community offers beautiful beaches, outstanding restaurants, shopping, parks, a library, an art center, tennis and pickleball courts, public fishing docks, a dog park, a boat ramp, a marina, and a baseball field. Whether you are searching for a full-time residence, a private beach retreat, or an income-producing investment property, this exceptional coastal home offers an exciting opportunity in a highly desirable beachside location. With no HOA and no lease restrictions, the possibilities are plentiful. Enjoy the best of Indian Rocks Beach living, where coastal charm, modern updates, and an unbeatable beachside lifestyle come together!
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 history0 days on market
- Status: ActiveOct 16, 2026
- Listed$1,185,000Oct 16, 2026
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 0
- Subdivision
- Indian Beach Re-Revised 21st Add
- County
- Pinellas
- Year built
- 1972
- Living area
- 2,230 sq ft
- Price/sq ft
- $531
- Building area
- 2,703 sq ft (Public Records)
- Lot size
- 7,279 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12103C0112H)
- Garage
- 2 spaces
- Annual taxes
- $5,234 (2025)
- Parcel #
- 06-30-15-42408-000-0020
- Zoning
- RES
- MLS #
- TB8553795
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Marble, Tile
- Appliances
- Dishwasher, Disposal, Electric Water Heater, Exhaust Fan, Range, Refrigerator, Touchless Faucet, Washer, Water Softener
- Interior features
- Built-in Features, Ceiling Fans(s), Crown Molding, Eat-in Kitchen, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Thermostat
- Laundry
- Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
- Stories / Levels
- One
- Direction faces
- West
- Fireplace
- Yes
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Circular Driveway, Electric Vehicle Charging Station(s), Garage Door Opener
HOA & Financial
- Total monthly fees
- None
- Total annual fees
- None
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyer to confirm with City of Indian Rocks Beach.
- Approval process
- Buyer to confirm with City of Indian Rocks Beach.
Exterior & Construction
- Exterior features
- Garden, Rain Gutters
- Construction materials
- Block, Stucco
- Roof
- Membrane, Metal
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Available, Electricity Connected, Fiber Optics, Public, Sewer Connected, Sprinkler Meter, Water Connected
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 |
|---|---|---|
| Primary Bedroom | First | 15x16.4 |
| Bedroom 2 | First | 12x10 |
| Bedroom 3 | First | 12x12.9 |
| Bathroom 1 | First | 10x8 |
| Bathroom 2 | First | 9x9 |
| Kitchen | First | 12.5x23 |
| Utility Room | First | |
| Living Room | First | 18x27 |
Listing Details
- Listing date
- 2026-10-16
- On market date
- 2026-10-16
- Original list price
- $1,185,000
- Occupant type
- Owner
- MLS area
- 33785 - Indian Rocks Bch/Belleair Bch/Indian Shores
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-10-16
- Tax legal description
- INDIAN BEACH RE-REVISED 21ST ADD
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 1st street, Go South "Right" on Harbor Dr, Stay to the right, house is on the left.
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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 October 16, 2026 at 2:09 PM 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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