495 Harbor Drive S, INDIAN ROCKS BEACH, FL

$3,019,000

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4

Beds

5

Baths

2,783

Square feet

0.43

Acres

About 495 Harbor Drive S

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

Features of 495 Harbor Drive S

MLS® # TB8513956
Sold Price $3,019,000
Listing Price $2,999,000
Bedrooms 4
Bathrooms 5.00
Full Baths 3
Half Baths 2
Square Footage 2,783
Acres 0.43
Year Built 1962
Type Residential
Sub-Type Single Family Residence
Status Sold

Community Information

Address 495 Harbor Drive S
Area Indian Rocks Bch/Belleair Bch/Indian Shores
Subdivision INDIAN BEACH RE-REVISED 23RD ADD
City INDIAN ROCKS BEACH
County Pinellas
State FL
Zip Code 33785-3118

Amenities

Parking Driveway, Garage Door Opener, Oversized
# of Garages 3
View Pool, Water
Is Waterfront Yes
Waterfront Bay/Harbor, Intracoastal Waterway
Has Pool Yes

Interior

Interior Features Ceiling Fan(s), Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Solid Wood Cabinets, Thermostat, Window Treatments
Appliances Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
Heating Central
Cooling Central Air
Fireplace No
# of Stories 1

Exterior

Exterior Features French Doors, Outdoor Grill, Outdoor Shower, Sliding Doors
Roof Shingle
Foundation Slab

School Information

Elementary Anona Elementary-PN
Middle Seminole Middle-PN
High Largo High-PN

Additional Information

Date Listed June 1st, 2026
Days on Market 27
Foreclosure No
Short Sale No
RE / Bank Owned No

Listing Details

OfficePREMIER SOTHEBY'S INTL REALTY

Listing Map

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