478 Harbor Dr N, Indian Rocks Beach, FL, 33785
About This Home
Experience the pinnacle of the Indian Rocks Beach waterfront lifestyle in this beautifully updated coastal retreat, where luxury, boating, and income potential come together on one of the area’s most desirable open water lots. Inside, This spacious home features 4 bedrooms, each with a private en-suite bathroom and an open floor plan designed to maximize the stunning water views in every major living area. Recent 2025 upgrades elevate the home with durable wood-look tile flooring, all-new custom kitchen cabinetry, designer countertops, and high-end appliances. The second floor leads to a serene primary suite sanctuary, offering soaring ceilings and a spa-inspired en suite bath—your personal retreat after a day on the water. Also on the second floor is a separate sitting room perfect for a movie room or game room (as it is currently used) and a private balcony overlooking the water. Step outside to your private tropical oasis, where a sparkling waterfront pool, private boat dock, and lift make it easy to embrace life on the water. Just across the Intracoastal waters, a small sandbar island invites boaters and kayakers to pull up, drop anchor, and enjoy a laid-back afternoon on the water with neighbors and friends. Located in the heart of Indian Rocks Beach, the home provides easy access to pristine Gulf beaches, waterfront dining, and endless coastal recreation. Adding to its appeal, local zoning allows for short-term rentals, offering excellent income potential for owners seeking a luxury waterfront property that can also generate revenue when not in use. This exceptional waterfront opportunity delivers the best of luxury coastal living, boating lifestyle, and income potential in one remarkable property.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1968
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: Brick,Concrete,Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Oven,Cooktop,Dishwasher,Disposal,Dryer,Exhaust Fan,Freezer,Microwave,Refrigerator,Washer
- Laundry features: Inside,Laundry Room
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
Features
- Ceiling Fan(s),Open Floorplan,PrimaryBedroom Upstairs,Stone Counters,Thermostat
- Door features: Sliding Doors
- Flooring: Engineered Hardwood,Tile
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 4,150
- Total interior livable area: 3,319 sqft
Kitchen
- Level: First
- Area: 210
- Dimensions: 15x14
Living Room
- Level: First
- Area: 289
- Dimensions: 17x17
Primary Bedroom
- Features: Built-in Closet
- Level: Second
Property
Details
- Parcel number: 063015124020000280
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Private pool: Yes
- Pool features: Above Ground,Gunite,Heated
- Exterior features: Irrigation System
- Has view: Yes
- View description: Water,Intracoastal Waterway
- Has water view: Yes
- Water view: Water,Intracoastal Waterway
- On waterfront: Yes
- Waterfront features: Intracoastal Waterway,Intracoastal Waterway Access,Lift,Seawall
Lot
- Lot size: 9,640 sqft
- Lot size dimensions: 83 x 120
Parking
- Total spaces: 2
- Parking features: Garage - Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Cold Wave
- Hurricane
- Lightning
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pinellas County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $14,410 | $172,920 |
| Home Insurance * | $345 | $4,140 |
| Property Taxes | $3,558 | $42,696 |
| Electricity | $334 | $4,008 |
| Total | $18,647 | $223,764 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-12 | Price change | $2,849,900 |
| 2026-03-10 | Listed for sale | $2,900,000 |
| 2025-04-01 | Sold | $2,000,000 |
| 2025-02-14 | Pending sale | $2,200,000 |
| 2025-01-10 | Price change | $2,200,000 |
| 2024-11-13 | Listed for sale | $2,299,999 |
| 2024-08-22 | Listing removed | $2,695,000 |
| 2024-06-06 | Listed for sale | $2,800,000 |
| 2022-01-13 | Sold | $2,250,000 |
| 2022-01-10 | Pending sale | $2,249,900 |
| 2021-12-31 | Listed for sale | $2,249,900 |
| 2021-10-24 | Pending sale | $2,249,900 |
| 2021-10-10 | Listed for sale | $2,249,900 |
| 2020-01-10 | Sold | $703,500 |
| 2019-10-23 | Pending sale | $795,000 |
| 2019-10-22 | Listed for sale | $795,000 |
| 2019-08-23 | Listing removed | $700,000 |
| 2019-08-19 | Pending sale | $700,000 |
| 2019-08-17 | Price change | $700,000 |
| 2019-08-07 | Listed for sale | $900,000 |
| 2013-09-14 | Listing removed | $1,325,000 |
| 2013-03-01 | Listed for sale | $1,325,000 |
| 2012-09-06 | Listing removed | $700,000 |
| 2012-08-22 | Listed for sale | $700,000 |
| 2012-07-02 | Listing removed | $749,000 |
| 2010-12-01 | Pending sale | $749,000 |
| 2010-02-21 | Listed for sale | $749,000 |
| 1998-01-12 | Sold | $387,500 |
For Sale by Agent
View on Zillow