Video tour
$10,000 Closing Credit¹
#TB8343119, Barbara Webb, Listing Office: CHARLES RUTENBERG REALTY INC
$2,399,000 List price
521 Harbor Dr N Indian Rocks Beach, FL 33785
$10,000
Closing credit¹
2 beds
2 full
1,883 sqft
0.4 acres
$1,274 / sqft
House
Property details
About 521 Harbor Dr N
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 residence—a 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 potential—imagine 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.
Highlights
Home typeSingle Family Residence
HeatingHeat Pump
StatusActive
CoolingCentral Air
Size1,883 sqft
Lot size0.41 Acres
Year built1963
ParkingCircular Driveway, Garage Faces Side, Off Street, On Street
MLS #TB8346260
Attached garage2 spaces
WaterfrontCanal, Intracoastal Waterway
FireplaceOther
ViewWater
Private poolYes
Summary
- MLS Number: TB8346260
- MLS Name: MFRMLS
- Office Name: FUTURE HOME REALTY INC
- Office Phone: (813) 855-4982
- Listing Agent: Cyndee Haydon
Listings courtesy of Stellar MLS as distributed by MLS GRID.
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Copyright 2025 My Florida Regional Multiple Listing Service DBA Stellar MLS. The real estate listing data marked with this icon comes from the IDX program of the Stellar MLS system. All information provided is deemed reliable but is not guaranteed and should be independently verified. 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 exclusively 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. Properties displayed may be listed or sold by various participants in the MLS.
Data displayed may be a portion of, and not a complete set of all listings published in the MLS.
Last updated on: 3/15/2025, 8:19:51 AM Eastern. If you have any questions regarding the accuracy of this data, please contact us at help@rockethomes.com.
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$2,399,000
521 Harbor Dr N
$10,000
closing credit¹
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Seller rebate
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Price information
Property sales
We're sorry, we currently don't have property sales data for this listing.
Tax history
| Year | Assessment | Property Tax |
|---|---|---|
| 2023 | $647,431 | $9,863 |
| 2022 | $628,574 | $9,376 |
| 2021 | $610,266 | $9,376 |
| 2020 | $601,840 | $9,585 |
| 2019 | $588,309 | $9,470 |
| 2018 | $577,340 | $9,275 |
| 2017 | $565,465 | $9,287 |
History based on county public records data.
Nearby schools
8
Anona Elementary
Public District PK-5
1.6 mi
•12301 Indian Rocks Rd
5
Ridgecrest Elementary
Public Magnet KG-5
2.1 mi
•1901 119th St
6
Mildred Helms Elementary
Public Magnet PK-5
2.4 mi
•561 Clearwater Largo Rd S
School ratings are a score out of 10, where 10 is the highest and 1 is the lowest.
Neighborhood
The neighbors living near this home have an average income of $84,358. Typical income of Indian Rocks Beach, FL residents is between $35k-100k annually. Typical family type is single, no kids. Residents of this area typically have post secondary degree education.
How much money do the neighbors make?
14%
<35k
53%
35k-100k
26%
100k-200k
7%
200k+
What level of education do the neighbors have?
No High School
High School Diploma
Post Secondary Degree
Masters Degree
Doctorate
What types of families live nearby?
48%
Single, No Kids
4%
Single, with Kids
38%
Married, No Kids
10%
Married, with Kids
Are the neighbors home owners or renters?
Home Owners
Renters
How old are people in this area?
8%
<11 yrs old
3%
12-17 yrs old
11%
18-34 yrs old
58%
35-64 yrs old
20%
65+ yrs old
What do the neighbors do for fun?
Hiking/backpacking
Symphony or Opera
PGA/LPGA
Where do the neighbors shop?
Nordstrom Rack
Chico's
Stein Mart
Where do the neighbors go to eat?
Chipotle
Boston Market
Bonefish Grill
What do the neighbors drive?
Mazda
Volvo
Cadillac
What do the neighbors listen to?
Rock
Talk/Personality
Classical
All data provided by Home Junction and Claritas
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Frequently asked questions
About 521 Harbor Dr N
This home is located at 521 Harbor Dr N in Indian Rocks Beach, FL and zip code 33785. This 1,883 square foot home, which was built in 1963, sits on a 0.41 acre lot. Features: 2 bedrooms, 2 bathrooms. It has been listed on Rocket Homes since February 7, 2025 and is currently priced at $2,399,000.
In February 2025 more than 0 listings in Indian Rocks Beach, FL were sold above the asking price. During the same period more than 0 listings were sold at asking price, while more than 8 were sold below. Between January and February 2025, Indian Rocks Beach, FL real estate market has seen increase in the number of listings by 11.5%. In February 2025 median list price was $875,000 and the average listing age was 96 days.
From Rocket Homes Real Estate and based on county public records data.