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306 HARBOR DRIVE

Indian Rocks Beach, FL, 33785

Active

$3,700,000

5

Bedrooms

4

Bathrooms

4,571 sqft

Living Area

2004

Year Built

9,013

Lot Size (sqft)

228

Days on Market

Dock Score™

DockOnly
89
Excellent

What shaped this score

Gulf Access (nav-verified)
Dock with boat lift for up to 36ft
Bridge-free to bay & ocean
Fits boats up to ~48ft (est.)

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

Intracoastal Waterway📝 25K-lb boat lift📝 deep water

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall DetectedDeep Water Indicators~41-55 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Canal WidthDockOnly

At the dock

County parcel data
211ft
dock211 ft

Single measurement at the dock · width variation along the canal not yet available

Measured perpendicular from this parcel's waterfront edge to the parcel directly across the canal, using surveyed county GIS boundaries. Multiple waterfront edges detected (corner lot or dual frontage); reported value is the widest; verify with the listing agent.

Will it turn around?

Up to 92 ft

Easy
handling

92123 ft

Fits
with care

123142 ft

Tight
(back-in)

Boats over 142 ft typically back in/out rather than turning here. Clear channel ≈ 185 ft with boats moored both sides (~13 ft per side for dock + beam). Wide-beam yachts need the upper end of each range.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

Direct Gulf access, deep water Intracoastal frontage, a 25,000 lb boat lift, and an assumable flood policy of just $1,800 per year—an exceptional combination rarely found in today's waterfront market. Positioned on the Intracoastal Waterway in the heart of Indian Rocks Beach, this custom-built waterfront estate offers over 4,500 square feet, 5 bedrooms, 4 baths, a private dock, saltwater pool, heated spa, elevator, and panoramic water views from nearly every main living space. Designed and built by its original builder-owner, the home was thoughtfully crafted for boating, entertaining, and everyday waterfront living. The oversized primary suite serves as a private retreat with a fireplace, private waterfront balcony, and spa-inspired bath. A chef's kitchen featuring custom wood cabinetry, granite countertops, a large island, walk-in pantry, and butler's pantry opens to spacious living and dining areas designed to capture stunning water views throughout the day. The lower-level social room creates the perfect transition to outdoor living, where the saltwater pool, heated spa, dock, and expansive waterfront setting invite endless days on the water and unforgettable sunset evenings. An added bonus is the home's eastern rear exposure, allowing the pool and outdoor living areas to enjoy morning sun while the house provides shade during the hottest part of the afternoon, helping keep the pool and entertaining spaces more comfortable throughout the summer months. A private elevator services all levels, while the rooftop terrace offers sweeping Intracoastal views. Additional features include a 5-car garage, optional climate-controlled gym, smart home technology, high ceilings, and no HOA. For boating enthusiasts, the location is exceptional. Reach the Gulf within minutes, enjoy deep water access, and keep your vessel protected on the 25,000 lb lift just steps from your back door. The home also performed exceptionally well during recent storms, offering added peace of mind. Short-term rentals are permitted, creating outstanding income potential in one of Tampa Bay's most desirable beach communities. Just a short walk to the sugar-sand beaches of the Gulf of Mexico, Brown Park, tennis courts, restaurants, and local favorites, this home offers the rare opportunity to enjoy true barrier island living. Wake up to dolphins in your backyard, spend the day boating, fishing, or at the beach, then enjoy waterfront sunsets from your pool, spa, or rooftop terrace. Despite feeling worlds away, you're only about 5 miles from Clearwater Beach, 20 miles from Downtown St. Petersburg, and approximately 25 miles from Tampa International Airport, providing convenient access to world-class dining, entertainment, professional sports, and international travel while enjoying one of Florida's most coveted coastal lifestyles. Call today for your private tour or to be sent the FULL video walkthrough.

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Location

Indian Rocks Beach, FL, 33785

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of KELLER WILLIAMS REALTY PORTFOLIO COLLECTION via Stellar MLS

Last checked: 1 hour ago

Listing updated: September 8, 2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

FEMA Flood Zone AE
BFE: 9ft

Special Flood Hazard Area

View FEMA Flood Map →
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Estimate your monthly payment for this waterfront property

20%

$740,000 down

%
Principal & Interest$19,199/mo
Property Tax (est. ~1.2%, varies by county)$3,700/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$23,149
Loan Amount: $2,960,000Rate: 6.75%
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$3,700,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.