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478 S HARBOR DRIVE
Indian Rocks Beach, FL, 33785
Pending$2,695,000
478 S HARBOR DRIVE
Indian Rocks Beach, FL, 33785
Pending$2,695,000
4
Bedrooms
3
Bathrooms
3,135 sqft
Living Area
2015
Year Built
7,187
Lot Size (sqft)
10
Days on Market
Dock Score™
DockOnly73
GoodWhat shaped this score
✓Bay
✓Dock with boat lift for up to 33ft
✓Bridge-free to bay & ocean
✓Fits boats up to ~32ft (est.)
DockOnly.com rating, not provided by the MLS or listing broker.
Dock & Water AccessMLS
WaterfrontBay/Harbor📝 20K-lb boat lift📝 deep water
AI Aerial Imagery Detection
Dock DetectedBoat Lift DetectedSeawall DetectedDeep Water Indicators~27-37 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.
Navigation RouteDockOnly
Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.
Description
Coastal Key West Waterfront Retreat in Coveted Indian Rocks Beach. Perfectly positioned on a quiet cul-de-sac in highly sought-after Indian Rocks Beach, this Key West-inspired waterfront residence offers sweeping western water views, spectacular sunsets, and the quintessential Florida lifestyle. Built in 2015, this 4 bedroom 3 bath three-story home combines quality craftsmanship, thoughtful design, and modern conveniences in a premier waterfront setting. Designed for both entertaining and everyday living, the main level features an expansive living area and a gourmet kitchen with custom cabinetry, granite countertops, a walk-in pantry, chef's island with prep sink and cooktop, and premium stainless steel appliances. The adjoining dining and living spaces are framed by panoramic water views, creating a seamless connection between indoor and outdoor living. Thoughtful upgrades throughout include hand-scraped hardwood flooring, Travertine tile, a custom built-in entertainment center, and a private elevator providing convenient access to all levels. Two bedrooms and a full bath are located on the main living level, with one bedroom offering flexibility as a home office, den, or formal dining space. The upper level is dedicated to private living quarters, highlighted by a spacious primary suite featuring a private waterfront balcony, oversized walk-in closet, custom built-in cabinetry, and a spa-inspired bath with a jetted soaking tub positioned to capture breathtaking sunset views. An additional bedroom completes the top floor. The entry level offers a spacious two-car garage and a large flex space with sliding glass doors opening to lush tropical landscaping. Outside, the resort-style waterfront setting is designed for relaxation and recreation, featuring a heated pool, deep-water dock with 20,000lbs boat lift, expansive entertaining areas, and dedicated storage for paddleboards, kayaks, and other waterfront gear. Just minutes from the Gulf of Mexico, the property's deep-water dock and boat lift provide convenient access for boating, fishing, island hopping, and waterfront adventures. Indian Rocks Beach is one of Florida's most desirable coastal communities, known for its golf-cart-friendly atmosphere, sugar-sand beaches, waterfront dining, parks, and family-friendly attractions. Whether you're seeking a primary residence, second home, or waterfront investment property, this exceptional residence offers an outstanding opportunity to enjoy the best of Florida coastal living while benefiting from the area's strong short-term rental demand.
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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 ENGEL & VOLKERS BELLEAIR via Stellar MLS
Last checked: 9 hours ago
Listing updated: August 3, 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.
Dock Score™
DockOnly73
GoodWhat shaped this score
✓Bay
✓Dock with boat lift for up to 33ft
✓Bridge-free to bay & ocean
✓Fits boats up to ~32ft (est.)
DockOnly.com rating, not provided by the MLS or listing broker.
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Mortgage Calculator
Estimate your monthly payment for this waterfront property
20%
$539,000 down
%
Principal & Interest$13,984/mo
Property Tax (est. ~1.2%, varies by county)$2,695/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$16,929
Loan Amount: $2,156,000Rate: 6.75%
Get Pre-QualifiedEstimated payments only. Actual rates and terms may vary.
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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.