495 Harbor Drive S, Indian Rocks Beach, FL 33785
Local realty services provided by:CENTURY 21 Circle
Listed by: michael perez pa
Office: premier sotheby's intl realty
MLS#:TB8513956
Source:MFRMLS
Price summary
- Price:$2,999,000
- Price per sq. ft.:$723
About this home

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. THIS HOME TOOK ON ZERO WATER INTRUSION. 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: 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. Additionally, It has the potential to rebuild or split into two lots...
Contact an agent
Home facts
- Year built:1962
- Listing ID #:TB8513956
- Added:4 day(s) ago
- Updated:June 06, 2026 at 03:14 PM
Rooms and interior
- Bedrooms:4
- Total bathrooms:5
- Full bathrooms:3
- Half bathrooms:2
- Flooring:Luxury Vinyl, Tile
- Dining Description:Living Room/Dining Room Combo
- Kitchen Description:Dishwasher, Kitchen/Family Room Combo, Microwave, Range, Refrigerator, Solid Wood Cabinets
- Living area:2,783 sq. ft.
Heating and cooling
- Cooling:Central Air
- Heating:Central
- Central air:Yes
Structure and exterior
- Roof:Shingle
- Year built:1962
- Building area:2,783 sq. ft.
- Lot area:0.43 Acres
- Construction Materials:Block, Concrete, Stucco
- Exterior Features:Outdoor Grill, Outdoor Shower
- Foundation Description:Slab
- Levels:1 Story
Schools
- High school:Largo High-PN
- Middle school:Seminole Middle-PN
- Elementary school:Anona Elementary-PN
Utilities
- Water:Public
- Sewer:Public, Public Sewer, Sewer Available
Finances and disclosures
- Price:$2,999,000
- Price per sq. ft.:$723
- Tax amount:$33,342 (2025)
Features and amenities
- Appliances:Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Laundry features:Dryer, Inside, Laundry Room, Washer
- Amenities:BB/HS Internet Available, Cable Available, Ceiling Fans(s), Electricity Available, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Solid Wood Cabinets, Thermostat, Window Treatments
- Pool features:Fiberglass, Heated, In Ground, Private Pool
Parking
- Parking description:Attached Garage, Driveway, Garage Door Opener, Oversized
- Garage:Yes
- Garage spaces:3
New listings near 495 Harbor Drive S
- New
$3,999,000Active5 beds 4 baths3,705 sq. ft.1213 Bay Shore Boulevard, INDIAN ROCKS BEACH, FL 33785
MLS# TB8515449Listed by: FADAL & CO
$399,999Pending0.13 Acres1st Street, INDIAN ROCKS BEACH, FL 33785
MLS# TB8514948Listed by: COMPASS FLORIDA LLC- New
$4,300,000Active1.24 Acres206 23rd Avenue, INDIAN ROCKS BEACH, FL 33785
MLS# TB8513617Listed by: VIEWPOINT REALTY INTERNATIONAL - New
$450,000Active2 beds 3 baths1,400 sq. ft.314 Windrush Boulevard #12, INDIAN ROCKS BEACH, FL 33785
MLS# TB8512570Listed by: COLDWELL BANKER REALTY - New
$699,000Active2 beds 2 baths1,148 sq. ft.1207 1st Street, INDIAN ROCKS BEACH, FL 33785
MLS# TB8513968Listed by: DOUGLAS ELLIMAN - New
$2,900,000Active4 beds 4 baths3,545 sq. ft.19130 Gulf Boulevard #V4, INDIAN ROCKS BEACH, FL 33785
MLS# TB8512571Listed by: SIGNATURE REALTY ASSOCIATES - New
$679,000Active2 beds 2 baths1,465 sq. ft.643 Garland Circle, INDIAN ROCKS BEACH, FL 33785
MLS# TB8512290Listed by: MINARET REALTY
$599,000Active2 beds 2 baths1,200 sq. ft.833 E Gulf Boulevard #103, INDIAN ROCKS BEACH, FL 33785
MLS# TB8428059Listed by: COMPASS FLORIDA LLC
$324,900Active2 beds 2 baths1,040 sq. ft.Address Withheld By Seller, INDIAN ROCKS BEACH, FL 33785
MLS# TB8504262Listed by: THE AMBROSIO GROUP