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Active - House for sale

306 HARBOR DRIVE, Indian Rocks Beach, FL

5 bds|4 bth|4,571 sqft

Facts & features

House Property type
295 days on Beycome
2004 Year built
$807 Price/Sqft.
5 car garage Parking
9,013 sqft Lot size

Why you’ll love it

Virtually Staged. **A FRESH NEW LOOK. AN EXCEPTIONAL WATERFRONT LIFESTYLE. NOW OFFERED AT $3,690,000.** Discover the stunning transformation of 306 Harbor Drive, a custom-built luxury waterfront estate in Indian Rocks Beach, Florida, now beautifully refreshed with a newly painted interior featuring a sophisticated palette of soft whites and warm creams. Light, bright, and move-in ready, this remarkable residence offers a fresh coastal aesthetic while preserving the craftsmanship, generous living spaces, and extraordinary boating amenities that make it truly special. Situated directly on the deep-water Intracoastal Waterway with direct Gulf access, this 4,571-square-foot home features 5 bedrooms, 4 bathrooms, a private dock with a 25,000 lb boat lift, jet ski lifts, a saltwater pool, heated spa, private elevator, rooftop terrace, and breathtaking panoramic water views. Designed and originally built by its builder-owner, the residence was thoughtfully created to maximize waterfront living, entertaining, and the beauty of its surroundings. Expansive living and dining areas are filled with natural light, while the newly refreshed interiors provide a beautiful, neutral backdrop for any decorating style. The chef's kitchen features custom wood cabinetry, granite countertops, a spacious island, walk-in pantry, and butler's pantry, opening to inviting gathering spaces overlooking the water. The extraordinary 27-by-37-foot primary suite offers a private waterfront balcony, fireplace, generous closets, and spa-inspired bathroom, creating a peaceful retreat above the Intracoastal. Multiple levels of indoor and outdoor living provide room to entertain, relax, and embrace the Florida coastal lifestyle. The lower-level entertainment space opens to a private waterfront oasis complete with a saltwater pool, heated spa, expansive patio, and dock. The home's desirable eastern rear exposure welcomes beautiful morning sunshine while providing welcome afternoon shade during Florida's warmer months. Above it all, the rooftop terrace delivers sweeping Intracoastal views and an unforgettable setting for waterfront sunsets. Additional highlights include a 5-car garage, an optional climate-controlled fitness space, smart home technology, high ceilings, and NO HOA. **BOATERS WILL APPRECIATE THE DEEP WATER, DIRECT GULF ACCESS, AND 25,000 LB BOAT LIFT**, offering the freedom to enjoy fishing, cruising, and spontaneous days on the water just steps from home. An assumable flood insurance policy of approximately $1,800 annually adds another valuable advantage, subject to carrier approval. **SHORT-TERM RENTALS ARE PERMITTED**, presenting an exciting opportunity for buyers seeking a luxury primary residence, second home, or income-producing vacation rental in one of Tampa Bay's most desirable beach communities, subject to applicable licensing and regulations. Just a short walk from the sugar-sand beaches of the Gulf of Mexico, local restaurants, Brown Park, and neighborhood recreation, this exceptional property combines the charm of Indian Rocks Beach with convenient access to Clearwater Beach, Downtown St. Petersburg, and Tampa International Airport. Wake up to dolphins playing in the Intracoastal, spend your afternoons exploring the Gulf, and end your evenings surrounded by shimmering water views. *NEW LOOK. SAME EXTRAORDINARY WATERFRONT LOCATION.* Schedule your private showing today and experience the transformation firsthand. Full video walkthrough available upon request.

Translating description...

Listings courtesy of KELLER WILLIAMS REALTY PORTFOLIO COLLECTION as distributed by MLS GRID.

Listed by: Kelly Ackley • kackleysells@gmail.com • KELLER WILLIAMS REALTY PORTFOLIO COLLECTION

Co-listed by: KELLER WILLIAMS REALTY PORTFOLIO COLLECTION

Source: Stellar MLS as distributed by MLS GRID, MLS#: TB8467679 Stellar MLS as distributed by MLS GRID logo

Based on info available as of Nov 12, 2026 at 1:05 PM EST.

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Affordability

$2,400,000$4,980,000
1%20%
0%90%
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Estimated monthly payment

$20,703/mo

  • Mortgage$18,659
  • Property tax$2,044
  • HOA fee
  • Homeowners insurance
Due at closing$2,933,550
Down payment held in escrow$738,000
Closing costs$55,350
beycome credit Est.$73,800

Beycome estimates only. Actual amounts and terms vary by lender and location.

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Travel times

About Indian Beach Re-Revised 5Th Add

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Flood & climate risk

FEMA Flood Zone AE

In a FEMA Special Flood Hazard Area — flood insurance is typically required with a federally-backed mortgage.

More details

Base flood elevation: 9 ft. Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

Based on information submitted to the MLS GRID as of Nov 12, 2026 at 01:05pm EST. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

$3,690,000 Listed price

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$73,800 Credit back

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