478 S HARBOR DRIVE, Indian Rocks Beach, FL, 33785 | $2,695,000

Coastal Key West Waterfront Retreat in Coveted Indian Rocks Beach. Perfectly positioned on a quiet cul-de-sac in highly sought-after Indian Rocks Beach, this Key West-inspired waterfront residence offers sweeping western water views, spectacular sunsets, and the quintessential Florida lifestyle. Built in 2015, this 4 bedroom 3 bath three-story home combines quality craftsmanship, thoughtful design, and modern conveniences in a premier waterfront setting. Designed for both entertaining and everyday living, the main level features an expansive living area and a gourmet kitchen with custom cabinetry, granite countertops, a walk-in pantry, chef's island with prep sink and cooktop, and premium stainless steel appliances. The adjoining dining and living spaces are framed by panoramic water views, creating a seamless connection between indoor and outdoor living. Thoughtful upgrades throughout include hand-scraped hardwood flooring, Travertine tile, a custom built-in entertainment center, and a private elevator providing convenient access to all levels. Two bedrooms and a full bath are located on the main living level, with one bedroom offering flexibility as a home office, den, or formal dining space. The upper level is dedicated to private living quarters, highlighted by a spacious primary suite featuring a private waterfront balcony, oversized walk-in closet, custom built-in cabinetry, and a spa-inspired bath with a jetted soaking tub positioned to capture breathtaking sunset views. An additional bedroom completes the top floor. The entry level offers a spacious two-car garage and a large flex space with sliding glass doors opening to lush tropical landscaping. Outside, the resort-style waterfront setting is designed for relaxation and recreation, featuring a heated pool, deep-water dock with 20, 000lbs boat lift, expansive entertaining areas, and dedicated storage for paddleboards, kayaks, and other waterfront gear. Just minutes from the Gulf of Mexico, the property's deep-water dock and boat lift provide convenient access for boating, fishing, island hopping, and waterfront adventures. Indian Rocks Beach is one of Florida's most desirable coastal communities, known for its golf-cart-friendly atmosphere, sugar-sand beaches, waterfront dining, parks, and family-friendly attractions. Whether you're seeking a primary residence, second home, or waterfront investment property, this exceptional residence offers an outstanding opportunity to enjoy the best of Florida coastal living while benefiting from the area's strong short-term rental demand.

Features

  • Amenities: Basketball Court, Pickleball Court(s)
  • Rooms: 6
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Inside
  • Style: Coastal, Elevated, Key West
  • Year Built: 2015
  • Garage: 2-car Covered, Driveway, Garage Door Opener, Golf Cart Garage, Golf Cart Parking, Ground Level, Guest, Oversized
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,135
  • Acreage: 0.16
  • Est. Taxes: $34,585
  • Lot Desc: Cul-De-Sac, FloodZone, Landscaped
  • View: Pool, Water
  • Water Front: Yes
  • Pool: Deck, Gunite, In Ground, Lighting
  • Pet Policy: Yes
  • Appliances: Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8517047
  • Days on Market: 10 days
  • Website: https://www.raveis.com
    /eprop/TB8517047/478sharbordrive_indianrocksbeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 7/5/2026 10:47:09 AM)
Listing courtesy of ENGEL & VOLKERS BELLEAIR   Phone: 727-461-1000

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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478 S HARBOR DRIVE, Indian Rocks Beach, FL, 33785

$2,695,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $2,156,000 $2,156,000 $2,156,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.263% 6.121% 6.183%
Monthly Tax Payment $2,882 $2,882 $2,882
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $12,582 $12,926 $18,194
Total Monthly Payment $15,589 $15,933 $21,201

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.