404 HARBOR DRIVE S, INDIAN ROCKS BEACH, FL, 33785
Active8 days on marketListed Oct 16, 2026MLS #TB8553795
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Sat, Oct 24
12:00 AM – 2:00 PM
New on Market
About this home
404 HARBOR DRIVE S
Discover coastal living at its finest on one of the most desirable streets in Indian Rocks Beach, surrounded by multimillion-dollar homes and just a short stroll to the beautiful sandy beaches of the Gulf Coast! This beautifully updated 3-bedroom, 2-bathroom home with a 2-car garage offers a desirable open floor plan, stylish modern finishes, and exceptional indoor-outdoor living. The stunning, renovated kitchen is the heart of the home, featuring new white shaker cabinetry with crown molding, quartz countertops, stainless steel GE Profile appliances, three pantries with convenient pullout storage, and a stainless steel farmhouse sink with a touchless faucet. The impressive 49” x 83” island provides abundant workspace and seating, along with a built-in drawer microwave and soft-close cabinetry on both sides. Both bathrooms showcase contemporary finishes and spa-inspired features. The guest bathroom offers a rain shower with a handheld showerhead, new cabinetry, quartz countertops, and modern porcelain tile from floor to ceiling. The primary suite features plank-style porcelain tile flooring, a walk-in closet, and a beautifully appointed bathroom with quartz countertops, marble flooring, floor-to-ceiling porcelain tile, and a rain shower with a handheld showerhead. The two guest bedrooms feature fresh paint, stylish barn doors, and updated finishes, with one offering a spacious walk-in closet. New 2’ x 4’ porcelain tile flooring installed in 2026 adds a clean, contemporary feel throughout the home. Additional improvements include a 2024 whole-home Trane air purification system, a new roof installed in 2022, and a new water heater in 2026. Step outside to a spacious, fenced backyard with attractive landscaping and plenty of room to create your own private poolside oasis. Enjoy the relaxed lifestyle that makes Indian Rocks Beach so special. This golf-cart-friendly coastal community offers beautiful beaches, outstanding restaurants, shopping, parks, a library, an art center, tennis and pickleball courts, public fishing docks, a dog park, a boat ramp, a marina, and a baseball field. Whether you are searching for a full-time residence, a private beach retreat, or an income-producing investment property, this exceptional coastal home offers an exciting opportunity in a highly desirable beachside location. With no HOA and no lease restrictions, the possibilities are plentiful. Enjoy the best of Indian Rocks Beach living, where coastal charm, modern updates, and an unbeatable beachside lifestyle come together!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,230
Sqft
0.17 ac
Lot size
2
Garage
1972
Year built
One
Levels
$531
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.
$8,498 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$8,498/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+82.4%
$/sqft vs Indian Rocks Beach actives
$531 vs $672
Days on market
8 vs 110 typical
Where $531/sqft sits among the 85 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)
48 of 85
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 45% 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 404 HARBOR DRIVE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$800,000
404 MAXWELL PLACE · same community
3 bd · 2 ba · 1,437 sqft · $557/sqft · 45 DOM
Sold · Aug ’26$635,000
13300 INDIAN ROCKS ROAD UNIT 201
2 bd · 2.5 ba · 2,236 sqft · $284/sqft · 44 DOM
Sold · Dec ’25$540,000
13300 INDIAN ROCKS ROAD UNIT 403
3 bd · 3 ba · 2,150 sqft · $251/sqft · 28 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
Emanuel Marin Maldonado
Real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 404 HARBOR DRIVE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 404 HARBOR DRIVE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Emanuel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
404 HARBOR DRIVE S FAQs
What would the monthly payment be for 404 HARBOR DRIVE S?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $8,498/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 404 HARBOR DRIVE S?+
The most recent tax bill on record (2025) was $5,234. 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 $1,185,000, this home is listed about 45% above the Indian Rocks Beach median of $815,000. The market section on this page shows how the area is trending.
Which schools are assigned to 404 HARBOR DRIVE S?+
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
Three things that matter here
01Positioned at the premium end
$1,185,000 runs 45% above the INDIAN ROCKS BEACH 33785 median — but at 2,230 sqft it's also 72% larger than the typical Indian Rocks Beach listing.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
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.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Lori Yaniscavitch. MLS #TB8553795.
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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