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$2,900,000

478 HARBOR DR N
INDIAN ROCKS BEACH, FL 33785
Listed by Evan Pedone · ENGEL & VOLKERS MADEIRA BEACH
Bedrooms
4
Bathrooms
4.5
Living area
3,319 sqft
Year built
1968

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.

Highlights

WaterfrontPrivate pool

Property details

MLS
Stellar MLS
MLS #
MFRTB8484658
Property type
Single Family Residence
Subdivision
BROWNS ADD TO RE-REV MAP OF INDIAN BEACH
Status
Active
Days on market
181
On market date
March 10, 2026
Stories
N/A
Total bathrooms
4.5
Garage spaces
2
Parking spaces
N/A
Lot size
0.22 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
ANONA ELEMENTARY SCHOOL
1.67 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
462
Student:teacher ratio
12.8:1
District
PINELLAS
Middle
LARGO MIDDLE SCHOOL
3.27 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
890
Student:teacher ratio
17.5:1
District
PINELLAS
High
LARGO HIGH SCHOOL
3.26 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,096
Student:teacher ratio
22.1:1
District
PINELLAS

Walkability

Blended score for INDIAN ROCKS BEACH's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

74
Walkable
out of 100
EPA National Walkability Index
13.2 / 20 -- Above average walkable
Google Places amenity density
85 / 100
Restaurants & cafes14
Grocery stores2
Parks12
Schools5
Transit stops20
Pharmacies1

Market position

How this listing compares to current activity in INDIAN ROCKS BEACH, from live MLS data.

On the market 181 days -- 65 more days than INDIAN ROCKS BEACH's current average of 116 days.
For reference, the median list price across 150 active listings in INDIAN ROCKS BEACH right now is $819,500.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$17,614/mo
$580,000 down
$2,320,000 loan
Principal & interest$15,047
Property tax (est.)$2,417
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated September 11, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.