$2,999,000
495 Harbor Drive S Indian Rocks Beach, FL 33785 - INTRACOASTAL WATERWAY
For Sale MLS# TB8513956
4 beds 5 baths 2,783 sq ft Single Family
Details for 495 Harbor Drive S
MLS# TB8513956
Description for 495 Harbor Drive S, Indian Rocks Beach, FL, 33785 - INTRACOASTAL WATERWAY
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
Listing Information
Property Type: Residential, Single Family Residence
Status: Active
Bedrooms: 4
Bathrooms: 5
Lot Size: 0.43 Acres
Square Feet: 2,783 sq ft
Year Built: 1962
Garage: Yes
Stories: 1 Story
Construction: Block,Concrete,Stucco
Construction Display: New Construction
Subdivision: Indian Beach Re-Revised 23rd Add
Foundation: Slab
County: Pinellas
Construction Status: New Construction
School Information
Elementary: Anona Elementary-Pn
Middle: Seminole Middle-Pn
High: Largo High-Pn
Room Information
Main Floor
Porch:
Bedroom 4: 11x13
Bedroom 3: 14x13
Bedroom 2: 15x24
Primary Bedroom: 15x14
Kitchen: 13x11
Living Room: 16x21
Dining Room: 14x23
Family Room: 14x24
Bathrooms
Full Baths: 3
1/2 Baths: 2
Additonal Room Information
Laundry: Inside, Laundry Room
Interior Features
Appliances: Electric Water Heater, Washer, Microwave, Range, Refrigerator, Dishwasher, Dryer
Flooring: Luxury Vinyl,Tile
Doors/Windows: Window Treatments, Shutters, Blinds
Additional Interior Features: Ceiling Fan(s), Wood Cabinets, Open Floorplan, Built-in Features, Living/Dining Room, Window Treatments, Kitchen/Family Room Combo
Utilities
Water: Public
Sewer: Public Sewer
Other Utilities: Cable Available,Electricity Available,High Speed Internet Available,Municipal Utilities,Sewer Available
Cooling: Central Air, Ceiling Fan(s)
Heating: Central
Exterior / Lot Features
Attached Garage: Attached Garage
Garage Spaces: 3
Parking Description: Garage Door Opener, Garage, driveway, Oversized
Roof: Shingle
Pool: Heated, Fiberglass, In Ground
Lot View: Bay,Intercoastal,Pool,Water
Lot Dimensions: 120x216
Fencing: Vinyl
Additional Exterior/Lot Features: Outdoor Grill, Outdoor Shower, French Patio Doors
Waterfront Details
Standard Water Body: INTRACOASTAL WATERWAY
Water Front Features: Bay Access, Intracoastal Access, Bayfront
Driving 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.
Financial Considerations
Terms: Cash,Conventional
Tax/Property ID: 06-30-15-42444-000-0190
Tax Amount: 33342.01
Tax Year: 2025
A broker reciprocity listing courtesy: PREMIER SOTHEBY'S INTL REALTY
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Interest rate and annual percentage rate (APR) are based on current market conditions, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables. Estimated closing costs used in the APR calculation are assumed to be paid by the borrower at closing. If the closing costs are financed, the loan, APR and payment amounts will be higher. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Contact us for details. Additional loan programs may be available. Accuracy is not guaranteed, and all products may not be available in all borrower's geographical areas and are based on their individual situation. This is not a credit decision or a commitment to lend.
Sales History & Tax Summary for 495 Harbor Drive S
Sales History
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Tax Summary
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Schools
Schools nearby 495 Harbor Drive S
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The schools shown represent both the assigned schools and schools by distance based on local school and district attendance boundaries. Attendance boundaries change based on various factors and proximity does not guarantee enrollment eligibility. Please consult your real estate agent and/or the school district to confirm the schools this property is zoned to attend. Information is deemed reliable but not guaranteed.
SchoolDigger ® Rating
The SchoolDigger rating system is a 1-5 scale with 5 as the highest rating. SchoolDigger ranks schools based on test scores supplied by each state's Department of Education. They calculate an average standard score by normalizing and averaging each school's test scores across all tests and grades.
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