495 HARBOR DRIVE S INDIAN ROCKS BEACH FL 33785 MLS #TB8513956

495 HARBOR DRIVE S
INDIAN ROCKS BEACH, FL, 33785
$2,999,000
4 Beds
4 Baths
2,783 SqFt
0.4 Acres
Add
MLS #TB8513956 image #0
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.

Property Details

Price:
$2,999,000
MLS #:
TB8513956
Status:
Active
Beds:
4
Baths:
4
Type:
Single Family
Subtype:
Single Family Residence
Subdivision:
INDIAN BEACH RE-REVISED 23RD ADD
Neighborhood:
33785indianrocksbchbelleairbchindianshores
Listed Date:
Jun 1, 2026
Finished Sq Ft:
2,783
Total Sq Ft:
4,148
Lot Size:
17,285 sqft / 0.40 acres (approx)
Year Built:
1962
WaterfrontPool33785 – Indian Rocks Bch/belleair Bch/indian Shores33785indianrocksbchbelleairbchindianshoresIndian Beach Re-revised 23rd AddAnona Elementary-pnSeminole Middle-pnLargo High-pnIntracoastal WaterwayBuyer To Verify Rental Restrictions With The Township.3 MonthsPets Allowed

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Schools

Elementary School:
Anona Elementary-PN
Middle School:
Seminole Middle-PN
High School:
Largo High-PN

Interior

Appliances
Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
Bathrooms
3 Full Bathrooms, 2 Half Bathrooms
Cooling
Central Air
Flooring
Luxury Vinyl, Tile
Heating
Central
Interior Features
Ceiling Fan(s), Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Solid Wood Cabinets, Thermostat, Window Treatments
Laundry Features
Inside, Laundry Room
Levels
One

Exterior

Attached Garage YN
1
Construction Materials
Block, Concrete, Stucco
Covered Spaces
3
Direction Faces
West
Exterior Features
French Doors, Outdoor Grill, Outdoor Shower, Sliding Doors
Fencing
Vinyl
Garage Spaces
3
Open Parking YN
1
Parking Features
Driveway, Garage Door Opener, Oversized
Roof
Shingle
View
Pool, Water
Waterfront Features
Bay/Harbor, Intracoastal Waterway
Window Features
Blinds, Shutters

Financial

Tax Year
2025
Taxes
$33,342

Map

Community

Market Summary

Current real estate data for Single Family in INDIAN ROCKS BEACH as of Jun 03, 2026
44
Single Family Listed
134
Avg DOM
760
Avg $ / SqFt
$1,658,186
Avg List Price

Property Summary

    Located in the INDIAN BEACH RE-REVISED 23RD ADD subdivision, 495 HARBOR DRIVE S INDIAN ROCKS BEACH FL is a Single Family for sale in INDIAN ROCKS BEACH, FL, 33785. It is listed for $2,999,000 and features 4 beds, 4 baths, and has approximately 2,783 square feet of living space, and was originally constructed in 1962. The current price per square foot is $1,078. The average price per square foot for Single Family listings in INDIAN ROCKS BEACH is $760. The average listing price for Single Family in INDIAN ROCKS BEACH is $1,658,186.

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495 HARBOR DRIVE S
INDIAN ROCKS BEACH, FL