About This Home

This 5-bedroom, 4-bathroom single family at 306 HARBOR Drive in Indian Rocks Beach, FL is listed for $3,700,000 ($809 per sqft). Built in 2004, the home offers 4,571 sqft of living space on a 0.21 acres lot.

Key Features

  • Built in 2004
  • 0.21 acre lot
  • 3 stories
  • Private pool
  • Fireplace
  • Waterfront

Property Details

3 stories
4 full
2004

Amenities

PoolFireplaceWaterfrontViewSpaA/C
Listing Description

Direct Gulf access, deep water Intracoastal frontage, a 25,000 lb boat lift, and an assumable flood policy of just $1,800 per year-an exceptional combination rarely found in today's waterfront market. Positioned on the Intracoastal Waterway in the heart of Indian Rocks Beach, this custom-built waterfront estate offers over 4,500 square feet, 5 bedr

ooms, 4 baths, a private dock, saltwater pool, heated spa, elevator, and panoramic water views from nearly every main living space. Designed and built by its original builder-owner, the home was thoughtfully crafted for boating, entertaining, and everyday waterfront living.

The oversized primary suite serves as a private retreat with a fireplace, private waterfront balcony, and spa-inspired bath. A chef's kitchen featuring custom wood cabinetry, granite countertops, a large island, walk-in pantry, and butler's pantry opens to spacious living and dining areas designed to capture stunning water views throughout the day.

The lower-level social room creates the perfect transition to outdoor living, where the saltwater pool, heated spa, dock, and expansive waterfront setting invite endless days on the water and unforgettable sunset evenings. An added bonus is the home's eastern rear exposure, allowing the pool and outdoor living areas to enjoy morning sun while the h

ouse provides shade during the hottest part of the afternoon, helping keep the pool and entertaining spaces more comfortable throughout the summer months. A private elevator services all levels, while the rooftop terrace offers sweeping Intracoastal views.

Additional features include a 5-car garage, optional climate-controlled gym, smart home technology, high ceilings, and no HOA. For boating enthusiasts, the location is exceptional. Reach the Gulf within minutes, enjoy deep water access, and keep your vessel protected on the 25,000 lb lift just steps from your back door.

The home also performed exceptionally well during recent storms, offering added peace of mind. Short-term rentals are permitted, creating outstanding income potential in one of Tampa Bay's most desirable beach communities. Just a short walk to the sugar-sand beaches of the Gulf of Mexico, Brown Park, tennis courts, restaurants, and local favorites, this home offers the rare opportunity to enjoy true barrier island living.

Wake up to dolphins in your backyard, spend the day boating, fishing, or at the beach, then enjoy waterfront sunsets from your pool, spa, or rooftop terrace. Despite feeling worlds away, you're only about 5 miles from Clearwater Beach, 20 miles from Downtown St.

Petersburg, and approximately 25 miles from Tampa International Airport, providing convenient access to world-class dining, entertainment, professional sports, and international travel while enjoying one of Florida's most coveted coastal lifestyles. Call today for your private tour or to be sent the FULL video walkthrough.

Monthly Cost Estimate

$19,788/mo

20% down · 6.5% · 30 years

Principal$2,676
Interest$16,033
Insurance$1,079

Estimates only. Actual payments may vary.

Location

306 HARBOR Drive

Indian Rocks Beach, FL 33785

INDIAN BEACH RE-REVISED 5TH ADD

Features & Amenities

Interior Features

Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)Coffered Ceiling(s)Dry BarEat-in KitchenElevatorKitchen/Family Room ComboPrimaryBedroom UpstairsSmart HomeSolid Wood CabinetsSplit BedroomStone CountersThermostatWalk-In Closet(s)Window Treatments

Exterior Features

BalconyHurricane ShuttersPrivate MailboxRain Gutters

Property Details

Flooring

CarpetWoodTile - Ceramic

Construction

Block Stucco Frame

Views

ParkOceanWater

Pool Features

Pool

Outdoor Features

PorchDeck

Heating

Electric (Heating)Central

Cooling

Central Air

Appliances

Bar FridgeBuilt-In OvenCooktopDishwasherDisposalDryerElectric Water HeaterIce MakerMicrowaveRefrigeratorWasherWater Filtration SystemWine Refrigerator

Questions & Answers

This 5-bedroom, 4-bathroom single family at 306 HARBOR Drive is listed at $3,700,000 ($809/sqft). The estimated monthly payment is $19,788 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 2004, 0.21 acre lot, 3 stories, Private pool, Fireplace, Waterfront. Interior Features: Built-in Features, Cathedral Ceiling(s), Ceiling Fans(s). Exterior Features: Balcony, Hurricane Shutters, Private Mailbox.

This property is listed by Kelly Ackley and can be reached at 7275156504.

KA

Kelly Ackley

Agent at Keller Williams Gulfside

(727) 515-6504

Listed by Keller Williams Gulfside · Broker phone: (727) 489-0800 · View on Broker Site

MLS# TB8467679· Source: Stellar MLS· 228 days on PropertySimple

Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

306 HARBOR Drive, Indian Rocks Beach, FL 33785

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