495 HARBOR DRIVE S, Indian Rocks Beach, FL 33785

• 4 beds |
• 5 baths |
• 2,783 sqft

Property 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

Listing Status:

Pending

Date Added:

June 1, 2026

Data Last Updated:

June 26, 2026 at 12:21AM

Listing Office:

PREMIER SOTHEBY'S INTL REALTY : 727-595-1604

Listing Agent:

Michael Perez PA : 727-422-6943

MLS ID:

TB8513956

Interior

• General: Ceiling Fans(s)Kitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanSolid Wood CabinetsThermostatWindow Treatments
• Rooms: Florida RoomGreat RoomInside Utility
• Appliances: DishwasherDryerElectric Water HeaterMicrowaveRangeRefrigeratorWasher
• Laundry: InsideLaundry Room
• Flooring: Luxury VinylTile
• A/C: Central Air
• Heating: Central

Exterior

• General: French DoorsOutdoor GrillOutdoor ShowerSliding Doors
• Pool: FiberglassHeatedIn Ground
• Parking: DrivewayGarage Door OpenerOversized

Construction

• Roofing: Shingle
• Windows: BlindsShutters
• General: BlockConcreteStuccoOneSlab

Location

• Road/Access: Paved
• Originating MLS: Stellar MLS
• County: Pinellas

Lot

• Zoning: INDIAN BEACH RE-REVISED 23RD ADD LOTS 19 AND 2006-30-15-42444-000-0190
• View: PoolWater
• Fencing: Vinyl

Utilities

• Utilities: BB/HS Internet AvailableCable AvailableElectricity AvailablePublicSewer Available
• Water: Public
• Sewer: Public Sewer

Financial

• Source: Stellar MLS
• Ownership: Fee Simple