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Overview

4 bd5 ba3,319 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1968
Lot9,640 sqft
Living area3,319 sqft
Price / sqft$874
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Open FloorplanPrimarybedroom UpstairsStone CountersThermostatGolf Carts OKParkPlayground

478 Harbor Dr N is a 1968-built home in Browns Add To Re-rev Map Of Indian Beach, Indian Rocks Beach. Inside you'll find 4 bedrooms, 5 bathrooms, and 3,319 square feet of living space. Listed at $2,900,000 (about $874/sqft), 219 days on market. Flood zone A - confirm flood insurance requirements with your lender.

From the listing

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.

The essentials

Built
1968
Price / sqft
$874
On market
219 days
Annual tax
$22,989
Flood zone
A
Lot
9,640 sqft
Type
Single Family Residence

At a glance

Single family
Built 1968
Waterfront
Intracoastal Waterway
Private pool
Heated
2 car garage
9,640 sqft lot
Lot size

Payment

Est. monthly payment
$18,491/mo
Down payment (20%)
$580,000
Property taxes
$1,916/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1968
Lot
9,640 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Above Ground, Gunite, Heated
Waterfront
Intracoastal Waterway
Days on Market
219
Ceiling Fans(s)
Open Floorplan
Primarybedroom Upstairs
Stone Counters
Thermostat
Golf Carts OK
Park
Playground
Tennis Court(s)
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Exhaust Fan
Freezer
Microwave
Refrigerator
Washer
Flood Zone A
Annual Tax (2025)
$22,989
Parcel #
06-30-15-12402-000-0280

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Browns Add To Re-rev Map Of Indian Beach
County
Pinellas
MLS Area
33785 - Indian Rocks Bch/Belleair Bch/Indian Shores
Lot Size
9,640 sqft

Price history

Date
Event
Price
9/11/2026
Price change
Source: Stellar MLS #TB8484658
$2,900,000+1.8%
$874/sqft
-
Price change
Source: Stellar MLS #TB8484658
$2,849,900-1.7%
$859/sqft
3/7/2026
Listed for sale
Source: Stellar MLS #TB8484658
$2,900,000
$874/sqft

Neighborhood

478 Harbor Dr N
Indian Rocks Beach, FL, 33785 · 33785 - Indian Rocks Bch/Belleair Bch/Indian Shores

Market insights

Offer Insights

Choose an offer strength

List price: $2,900,000
$2.86M – $2.90M
98.7% – 100% of listTops out right at the list price
80% of listList price
16 of the last 31 home closings in 33785 landed at this number or higher (52%). The median one sat 26 days before it went under contract, and this one is on day 219.

Sample: 31 closed home sales in 33785 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$18,490/mo
Principal & interest$15,125
Property taxes$1,916
Insurance$1,450
Down payment20% · $580,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$2,900,000

$874 per sq ft

Beds and baths

4 beds, 5 baths

Size

3,319 sq ft

Time on market

219 days

Year built

1968

Monthly payment

About $18,491/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $22,989 annual tax bill, insurance.

Flood zone

Zone A

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

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Brokered byENGEL & VOLKERS MADEIRA BEACHListing agent: Evan PedoneListing data from Stellar MLS, MLS# TB8484658.

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