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521 Harbor Drive N

Indian Rocks Beach, FL 33785
  • $2,399,000
  • STATUS: Active
  • ON SITE: 40 Days
  • MLS #: TB8346260
Price Reduced
UPDATED: 20 min ago
$2,399,000
  • 2
    BEDS
  • 0.41
    ACRES
  • 2
    BATHS
  • 0
    1/2 BATHS
  • 1,883
    SQFT
  • $1,274
    $/SQFT
Type:
Single-Family Home
Built:
1963
County:

School Ratings & Info

Description

Includes two lots. There is an exceptional opportunity on the sought-after Harbor Drive North. Imagine building a new UNELEVATED home to code - neighbors have. SHORT TERM RENTALS allowed. EXCELLENT seawall and unparalleled potential with this rare waterfront property, located on one of the highest streets in Indian Rocks Beach on a coveted AE8 flood zone parcel which means you can likely build an UNELEVATED new home like the one down the street at 498 Harbor Dr being completed June 2025 - check it out. This home, during Hurricane Helene, only got a few inches of water a testament to its higher elevation and resilient location. This offering includes two connected waterfront lots (at 74 x 120' each), providing endless possibilities. Keep them together for an extraordinary estate or explore the potential of splitting them to create two distinct properties. Build your dream home on one lot while living comfortably in the existing residencea spacious 2-bedroom, 2-bath home with 1,883 sq ft of living space and an attached 2-car garage. Step outside to your private oasis: Complete with a covered pool perfect for sunny Florida days; A large composite dock with built-in bench seating, the ideal spot to soak in breathtaking sunsets over the water; A circular driveway offering ample parking, perfect for hosting your family and friends; Nestled on a quiet street and also on a broad basin of water so you're not looking at your neighbors when outside. Enjoy relaxing and your privacy and still great proximity to vibrant local amenities. You're just moments from popular restaurants, charming shops, and the beautiful Gulf beaches. Plus, this neighborhood allows short-term rentals, unlocking even more investment potentialimagine two income-generating properties or one luxurious retreat. Where else can you find two large adjacent lots like this, in such a prime beach location with seawalls in great shape and a large composite dock and pool, priced below land value? Whether you envision a grand waterfront estate, dual investment properties, or your slice of paradise, the possibilities are as vast as your imagination. Don't miss this rare chance to own a piece of Indian Rocks Beach waterfront at an exceptional value. The floor plan is available in photos. This home took minimal water (below baseboards) during Hurricane Helene. Don't miss virtual tour.

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© 2025 My Florida Regional MLS DBA Stellar MLS. All rights reserved. All listings displayed pursuant to IDX. All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. Listings displayed on this website may be subject to prior sale or removal from sale; availability of any listing should always be independently verified. Listing information is provided for consumers personal, non-commercial use, solely to identify potential properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Data last updated 2025-03-20T13:49:23.433.
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521 Harbor Drive N Indian Rocks Beach, FL 33785

  • Price: $2,399,000
  • Status: Active
  • On Site: 40 Days
  • Updated: 20 min ago
  • MLS #: TB8346260
2
Beds
2
Baths
0
½ Baths
0.41
Acres
1,883
SQFT
$1,274
$/SQFT
1963
Built
Neighborhood:
Indian Beach Re-Revised 29Th Add
County:
Pinellas
Area:
Indian Rocks Bch/Belleair Bch/Indian Shores
Property Description
Includes two lots. There is an exceptional opportunity on the sought-after Harbor Drive North. Imagine building a new UNELEVATED home to code - neighbors have. SHORT TERM RENTALS allowed. EXCELLENT seawall and unparalleled potential with this rare waterfront property, located on one of the highest streets in Indian Rocks Beach on a coveted AE8 flood zone parcel which means you can likely build an UNELEVATED new home like the one down the street at 498 Harbor Dr being completed June 2025 - check it out. This home, during Hurricane Helene, only got a few inches of water a testament to its higher elevation and resilient location. This offering includes two connected waterfront lots (at 74 x 120' each), providing endless possibilities. Keep them together for an extraordinary estate or explore the potential of splitting them to create two distinct properties. Build your dream home on one lot while living comfortably in the existing residencea spacious 2-bedroom, 2-bath home with 1,883 sq ft of living space and an attached 2-car garage. Step outside to your private oasis: Complete with a covered pool perfect for sunny Florida days; A large composite dock with built-in bench seating, the ideal spot to soak in breathtaking sunsets over the water; A circular driveway offering ample parking, perfect for hosting your family and friends; Nestled on a quiet street and also on a broad basin of water so you're not looking at your neighbors when outside. Enjoy relaxing and your privacy and still great proximity to vibrant local amenities. You're just moments from popular restaurants, charming shops, and the beautiful Gulf beaches. Plus, this neighborhood allows short-term rentals, unlocking even more investment potentialimagine two income-generating properties or one luxurious retreat. Where else can you find two large adjacent lots like this, in such a prime beach location with seawalls in great shape and a large composite dock and pool, priced below land value? Whether you envision a grand waterfront estate, dual investment properties, or your slice of paradise, the possibilities are as vast as your imagination. Don't miss this rare chance to own a piece of Indian Rocks Beach waterfront at an exceptional value. The floor plan is available in photos. This home took minimal water (below baseboards) during Hurricane Helene. Don't miss virtual tour.
Exterior Features

Architectural Style Florida Attached Garage Yn Yes Carport Yn No Construction Materials BlockConcreteStucco Covered Spaces 2 Direction Faces East Exterior Features Sliding Doors Fencing Chain Link Foundation Details Slab Lot Features City Lot Lot Size Dimensions 148 x 120 Open Parking YN Yes Parking Features Circular DrivewayGarage Faces SideOff StreetOn Street Patio And Porch Features CoveredDeckEnclosed Pool Features FiberglassIn GroundScreen EnclosureTile Pool Private Yn Yes Road Frontage Type Street Paved Road Surface Type Paved Roof Tile Spa YN No View Water Water Access Canal - SaltwaterIntracoastal Waterway Water Access Yn Yes Water Extras Bridges - No Fixed BridgesLiftSailboat WaterSeawall - Concrete Water Extras Yn Yes Water View Intracoastal Waterway Water View Yn Yes Waterfront Features Canal - SaltwaterIntracoastal Waterway Waterfront Feet Total 148 Waterfront Yn Yes

Interior Features

Additional Rooms Bonus RoomDen/Library/OfficeFlorida Room Appliances Other Building Area Total 3334 Cooling Central Air Cooling YN Yes Fireplace Features Other Room Fireplace Yn Yes Flooring TerrazzoTile Heating Heat Pump Heating YN Yes Interior Features Built-in FeaturesPrimary Bedroom Main FloorSkylight(s)Split Bedroom Laundry Features Electric Dryer HookupIn GarageWasher Hookup Levels One Rooms Dining Room Kitchen Primary Bedroom (En Suite BathroomBuilt-in Closet) Living Room Family Room Sewer Public Sewer Stories Total 1 Water Source Public

Property Features

Additional Lease Restrictions Please check with City of Idian Rocks Beach for current restrictions on short term rentals - As this is an estate sale and Seller is without actual knowledge of the Property Approval Process Please check with City of Idian Rocks Beach for current restrictions on short term rentals - As this is an estate sale and Seller is without actual knowledge of the Property Association Approval Required Yn No Association Yn No Cdd Yn No Down Payment Resource No Flood Zone Code AE Garage Yn Yes Homestead Yn Yes Lease Considered YN Yes Lease Restrictions YN Yes Listing Terms CashConventional Max Pet Weight 101 Minimum Lease 1-7 Days New Construction Yn No Ownership Fee Simple Pet Restrictions See the City of Indian Rocks Beach code on any pet restrictions - As this is an estate sale and Seller is without actual knowledge of pet restrictions for this Property Pet Size Extra Large (101+ Lbs.) Pets Allowed Cats OKDogs OKYes Property Sub Type Single Family Residence Realtor Info Floor Plan AvailableNo SignShort Term Rental Allowed Senior Community Yn No Special Listing Conditions Probate Listing Tax Annual Amount 9966.71 Total Annual Fees 0 Total Monthly Fees 0 Utilities BB/HS Internet AvailableElectricity ConnectedSewer AvailableWater Available Yrs Of Owner Prior To Leasing Re No


Listing information © 2025 My Florida Regional MLS DBA Stellar MLS..
Listing provided courtesy of FUTURE HOME REALTY INC: 813-855-4982.



© 2025 My Florida Regional MLS DBA Stellar MLS. All rights reserved. All listings displayed pursuant to IDX. All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. Listings displayed on this website may be subject to prior sale or removal from sale; availability of any listing should always be independently verified. Listing information is provided for consumers personal, non-commercial use, solely to identify potential properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Data last updated 2025-03-20T13:49:23.433.
 
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500 N Westshore Blvd
Tampa FL, 33609