
478 HARBOR DRIVE N, INDIAN ROCKS BEACH, FL, 33785
Active145 days on marketListed Mar 10, 2026MLS #TB8484658
About this home
478 HARBOR DRIVE N
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.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,319
Sqft
0.22 ac
Lot size
2
Garage
1968
Year built
Two
Levels
$859
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$18,522 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$18,522/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Indian Rocks Beach actives
$859 vs $616
Days on market
145 vs 48 typical
Where $859/sqft sits among the 87 Indian Rocks Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Indian Rocks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Indian Rocks Beach. See the full Indian Rocks Beach guide →
Indian Rocks — neighborhood snapshot
Population
3,655
Median age
59
Median income
$104,994
Median home value
$687,925
Avg household
2
Households w/ children
160
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Indian Rocks Beach market
$953K → $781K
Indian Rocks Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
46 of 87
Indian Rocks Beach actives have cut their price
Median sold price, Indian Rocks Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 308% above the INDIAN ROCKS BEACH 33785 median. See the full Indian Rocks Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 478 HARBOR DRIVE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,800,000
531 HARBOR DRIVE N · same community
3 bd · 2.5 ba · 2,496 sqft · $721/sqft · 0 DOM
Sold · Jul ’26$1,465,000
516 HARBOR DRIVE N · same community
2 bd · 2 ba · 2,187 sqft · $670/sqft · 9 DOM
Sold · Oct ’25$2,400,000
357 12TH AVENUE
5 bd · 4.5 ba · 3,355 sqft · $715/sqft · 30 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 478 HARBOR DRIVE N — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 478 HARBOR DRIVE N — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
478 HARBOR DRIVE N FAQs
What would the monthly payment be for 478 HARBOR DRIVE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,522/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 478 HARBOR DRIVE N?+
The most recent tax bill on record (2025) was $22,989. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Indian Rocks Beach?+
At $2,849,900, this home is listed about 300% above the Indian Rocks Beach median of $712,000. The market section on this page shows how the area is trending.
Which schools are assigned to 478 HARBOR DRIVE N?+
Anona Elementary School (elementary), Largo High School (high), Seminole Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$2,849,900 runs 308% above the INDIAN ROCKS BEACH 33785 median — but at 3,319 sqft it's also nearly 3 times the size of the typical Indian Rocks Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
145 days on market against a Indian Rocks Beach median of 48 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $2,900,000, now $2,849,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS MADEIRA BEACH · Evan Pedone. MLS #TB8484658.
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.
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