513 HARBOR DRIVE N, INDIAN ROCKS BEACH, FL, 33785
Active24 days on marketListed Sep 17, 2026MLS #TB8516837
About this home
513 HARBOR DRIVE N
Welcome to waterfront living in the heart of Indian Rocks Beach. Perfectly positioned with direct access to the Intracoastal, this beautifully maintained home offers the opportunity to enjoy the best of the Florida lifestyle right from your own backyard. With a short boat ride to the Gulf, a private dock, and the beach just a few blocks away, every day feels like a vacation. This spacious 2 bedroom, 2 bath home offers a split floor plan where both bedroom and bathroom combos can be closed off for a private suite feel. Great for guests and shared living. The kitchen features solid wood cabinetry, double ovens, newer appliances, and a beautiful view of the water. A built-in bar area provides additional cabinetry and a convenient space for entertaining. Newer luxury vinyl plank flooring and updated larger baseboards are found throughout, while a wood-burning fireplace adds warmth and character to the living space. Sliding glass doors open to a covered, waterfront patio with remote controlled awning designed for relaxing and entertaining. Pour your morning coffee, enjoy an evening cocktail, or simply watch dolphins and manatees make their way along the Intracoastal. Step outside to fish from your private dock or enjoy spectacular sunsets every evening from your own backyard. The spacious backyard also offers room to create your own private pool oasis, adding even more potential to this exceptional waterfront setting. Updates include interior paint (2025), HVAC (2026), water heater (2024), indoor laundry room with storage, and a spacious 2 car garage with a hurricane-rated door. And then there’s Indian Rocks Beach: a golf-cart-friendly community known for its award winning beaches, locally owned restaurants, shops, surf shops, waterfront nature park, tennis and pickleball courts, library, Beach Art Center, dog park, basketball and skate parks, and laid-back coastal charm. Whether you're looking for a full-time residence, a beachside retreat, or an investment property with short-term rental potential, this is the perfect opportunity to own a piece of the Indian Rocks Beach lifestyle. Come and discover why life on the water is even better.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,826
Sqft
0.18 ac
Lot size
2
Garage
1971
Year built
One
Levels
$685
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.
$7,802 /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
$7,802/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.
vs edgeAI estimate
+39.8%
$/sqft vs Indian Rocks Beach actives
$685 vs $682
Days on market
24 vs 110 typical
Where $685/sqft sits among the 90 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
$950K → $725K
Indian Rocks Beach median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
47 of 90
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 56% 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 513 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 · Aug ’26$655,000
12805 KIMBERLY OAKS CIRCLE
3 bd · 2 ba · 1,924 sqft · $340/sqft · 11 DOM
Sold · Nov ’25$375,000
13300 INDIAN ROCKS ROAD UNIT 704
2 bd · 2 ba · 1,722 sqft · $218/sqft · 2 DOM
Sold · Jun ’26$471,500
13300 INDIAN ROCKS ROAD UNIT 101
2 bd · 2 ba · 1,683 sqft · $280/sqft · 85 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 513 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 513 HARBOR DRIVE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
513 HARBOR DRIVE N FAQs
What would the monthly payment be for 513 HARBOR DRIVE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,802/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 513 HARBOR DRIVE N?+
The most recent tax bill on record (2025) was $5,144. 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 $1,250,000, this home is listed about 52% above the Indian Rocks Beach median of $824,000. The market section on this page shows how the area is trending.
Which schools are assigned to 513 HARBOR DRIVE N?+
Anona Elementary School (elementary), Seminole Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,250,000 runs 56% above the INDIAN ROCKS BEACH 33785 median — but at 1,826 sqft it's also 36% larger than 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.
03Strong assigned schools
Anona Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,285,000, now $1,250,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Sharon Deegan. MLS #TB8516837.
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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