Back 495 Harbor Dr S
Active

495 Harbor Dr S

Indian Rocks Beach FL 33785

4
5
3
4148 sq. ft.
18960 sq. ft.
Single-Family
Currently for sale - view listing

Overview

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

4 bedrooms
5 bathrooms
3 carspaces
3 garage spaces
4148 sq. ft. floor area
18960 sq. ft. lot size
Single-Family

Property history for 495 Harbor Dr S

2017
Sold
$1,231,950
23 Aug 2017 by Tim Shears, of SMITH & ASSOCIATES REAL ESTATE

Happy sellers in Indian Rocks Beach

84%
84% of sellers in Indian Rocks Beach reported that their sale price either exceeded or met their price expectations.

Indian Rocks Beach stands out for consistently delivering exceptional satisfaction and strong market results for homeowners.

This is based on voluntary sentiment collected from 5 reviews in Indian Rocks Beach over the last 12 months.

Local market activity for 4 bedroom single-family properties in Indian Rocks Beach

In the last 12 months, 12 four-bedroom single-family properties similar to 495 Harbor Dr S, have been sold.

This represents a 140% decrease in four-bedroom single-family properties sales when compared to the previous 12 months.

© 2026 RateMyAgent