Neighborhood · Palm Harbor, Florida
Indian Bluff Island
Waterfront island living on Florida's Gulf coast
7
Homes for sale
$1,333,000
Median list price
$549
Avg price / sqft
7
Median days on market
Indian Bluff Island is a small waterfront community in Palm Harbor, where canal access and boat docks define daily life close to the Gulf. It's the kind of place where mornings start on the water and the pace stays quiet, with the boating culture of nearby Ozona and the recreation of Lansbrook Village a short drive away. Homes here lean toward larger single-family properties, and the near-nonexistent HOA keeps ownership feeling genuinely independent.
For buyers, this is a competitive, higher-end market. With just 7 active listings and a median list price of $1,333,000, inventory is thin and homes move fast — the median days on market is only 7. If you're comparing the golf-and-resort lifestyle at Innisbrook or the 55+ options at Highland Lakes, know that Indian Bluff Island trades at a premium for its waterfront access.
Indian Bluff Island is a community in Palm Harbor, Florida.
Quick facts
$499,900 – $3.5M price range
2,279 sqft median home
$8/mo median HOA
8 sold in 12 months
On the market now
Homes for sale in Indian Bluff Island
$1,459,000
105 AUGUSTA AVENUE, PALM HARBOR
5 bd · 4 ba · 2,545 sqft
$1,333,000
121 CARLYLE DRIVE, PALM HARBOR
3 bd · 2.5 ba · 2,251 sqft
$584,600
103 CARLYLE DRIVE, PALM HARBOR
3 bd · 2 ba · 1,517 sqft
$3,550,000
121 AUGUSTA AVENUE, PALM HARBOR
4 bd · 4 ba · 3,401 sqft
$2,300,000$2,599,999
119 CARLYLE CIRCLE, PALM HARBOR
4 bd · 4 ba · 3,526 sqft
$499,900
105 PETERSON LANE, PALM HARBOR
3 bd · 3 ba · 1,492 sqft
$589,000$594,000
125 CARLYLE DRIVE, PALM HARBOR
4 bd · 2 ba · 2,279 sqft
Every active listing inside the Indian Bluff Island boundary
Open full map search →Find your fit
Browse Indian Bluff Island
By feature — on the live map
Where the market lives
The numbers that matter
The Indian Bluff Island market
8
Sold, last 12 months
$1,102,500
Median sold price
94%
Sale-to-list ratio
What sellers actually get vs asking
60 days
Median time to sell
Indian Bluff Island vs Palm Harbor
Median list price
Price per sqft
Days on market
Median sold price — 3-yr, 3-mo rolling
▼ 8.3% yr/yr
Homes sold per month
Live Stellar MLS data — every listing and closed sale inside the Indian Bluff Island boundary. Rolling medians smooth single-month swings in small communities.
For the school run
Schools Indian Bluff Island is zoned for
Attendance boundaries overlapping this community — always verify zoning with the district.
What it really costs
Owning here
Owning the median Indian Bluff Island home
≈ $8,120/mo
$1,333,000 median · 20% down · 30-yr fixed at 6.9% · taxes/HOA from live listing data · insurance is a Florida estimate.
$8/mo
Median HOA
From current listings inside the boundary
Population
881
Median age
43
Median home value
$680,500
Beyond the listings
Living in Indian Bluff Island
Culture
Top 5% in the U.S.Sites to See
This population finds the most beautiful sites just by looking up. Sunrise, sunset or sometime in between, these people love to marvel at man-made and natural wonders.
Lifestyles
Top 14% in the U.S.Wealth Signaling
Interested in the finer things life has to offer, this population wants to display their lifestyle by discussing luxury products. Often references jewelry, cars, and home features.
Beliefs
Top 17% in the U.S.Mindfulness & Spirituality
Seeking peace and well-being through meditation, gratitude and spirituality.
Active
Top 18% in the U.S.Yoga Advocates
Improving flexibility, strength, and overall well-being is the yogi's aim. This population is looking for the right community, instruction, and accessories.
Relationships
Top 19% in the U.S.Love & Romance
Love is in the air when this population is present. Includes people expressing their feelings for significant others in special ways. Common activities include anniversaries and date nights.
Hobbies & Interests
Top 20% in the U.S.Dog Lovers
Pups are just another member of the family. Dog lovers adore their tail-wagging friends and are looking for new ways to make them happy.
Straight answers
Indian Bluff Island FAQs
Is Indian Bluff Island a good place to live?+
It's a quiet waterfront neighborhood built around canal access and boating, with pools common among the homes here — four of seven active listings have one. Assigned schools include Sutherland Elementary, Palm Harbor Middle, and Palm Harbor University High. For buyers who want water access without a big HOA, it's a strong fit.
Is Indian Bluff Island expensive?+
Yes — it's one of the higher-end pockets in the area, with a median list price of $1,333,000 and four of seven active listings priced above $1M. The range runs from $499,900 to $3,550,000, so there's some spread, but waterfront access carries a premium compared to the broader Palm Harbor market.
What do homes cost on Indian Bluff Island?+
Active listings average $549 per square foot on a median home size of 2,279 sqft, with a median list price of $1,333,000. Over the last 12 months, 8 homes sold at a median price of $1,102,500, giving a realistic sense of where deals actually close.
How is the market on Indian Bluff Island?+
It's tight and quick — only 7 homes are active and the median days on market is 7. Sellers are getting about 94% of asking on average, so there's modest room to negotiate, but well-priced waterfront homes don't sit long.
What about HOA fees and property taxes?+
The HOA burden is minimal here, with a median of just $8/month. Property taxes run higher given the price point, at a median of $10,553 per year — budget for that alongside your mortgage when comparing to communities like Highland Lakes.
Keep exploring
More Palm Harbor neighborhoods
Neighborhood boundary by edgeAI; listings matched to the polygon. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Indian Bluff Island homes, in your inbox
A daily digest of new Palm Harbor listings — straight from the MLS. Unsubscribe anytime.