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495 HARBOR DRIVE S
INDIAN ROCKS BEACH, FL, 33785
Active Under Contract$2,999,000
495 HARBOR DRIVE S
INDIAN ROCKS BEACH, FL, 33785
Active Under Contract$2,999,000
4
Bedrooms
5
Bathrooms
2,783 sqft
Living Area
1962
Year Built
18,960
Lot Size (sqft)
7
Days on Market
Dock Score™
DockOnly62
GoodWhat shaped this score
✓Intracoastal
✓Fits boats up to ~100ft+ (est.)
✓Dock with boat lift
✓Bridge-free to ocean
·Draft not independently verified
Est. waterfront~216 ft
DockOnly.com rating, not provided by the MLS or listing broker.
Dock & Water AccessMLS
Bay/HarborIntracoastal Waterway📝 24K-lb boat lift
AI Aerial Imagery Detection
Dock DetectedBoat Lift Detected
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
Under contract-accepting backup offers. 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
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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 PREMIER SOTHEBY'S INTL REALTY via Stellar MLS
Last checked: July 21, 2026
Listing updated: July 21, 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™
DockOnly62
GoodWhat shaped this score
✓Intracoastal
✓Fits boats up to ~100ft+ (est.)
✓Dock with boat lift
✓Bridge-free to ocean
·Draft not independently verified
Est. waterfront~216 ft
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%
$599,800 down
%
Principal & Interest$15,561/mo
Property Tax (est. ~1.2%, varies by county)$2,999/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$18,810
Loan Amount: $2,399,200Rate: 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.