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Single Family ResidenceResidential
$1,340,614$897 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $400,000 on Jan 4, 2010

435 HARBOR DR S

INDIAN ROCKS BEACH, FL 33785
2
Baths
1,495 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.3M
$1.2M low$1.5M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$400,000 · Jan 4, 2010
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$990,614
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$792,491
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.26%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$350,000
WELLS FARGO BANK NA · recorded Sep 29, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,768 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$874,020 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,177,577
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$874,020

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.97 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.99%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPinellas
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1996
Lot (acres)The size of the land the home sits on, from county records.0.17
ConstructionThe main material the home's frame and walls are built from.Concrete Blocks
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
ViewThe type of view from the property, or another feature of the site that affects value.Yes - Type Unknown
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Boat liftDeck · 300 ft²Patio · 300 ft²Porch · 555 ft²Boat access

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Anona ElementaryA
Elementary · Grades PK–5 · 1.6 mi
H
Largo High SchoolB-
High · Grades 9–12 · 3.5 mi
M
Seminole Middle SchoolB+
Middle · Grades 6–8 · 4.0 mi

District: Pinellas County School District

Neighborhood · ZIP 33785These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.168
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.74
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.11

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.49%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.5,060
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,575 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,827
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$128,722
Average tempThe average temperature here across a full year.73°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

435 Harbor Dr S measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 96% of homes in Pinellas County
  • Among the highest price per square foot in Pinellas County
  • Older than 79% of homes in Indian Rocks Beach 33785

What homes are worth in Indian Rocks Beach 33785

Each bar is how many homes fall in that price range. The marker is this home.

This home
$359K$3.4M

This home is worth more than 85% of homes in Indian Rocks Beach 33785.

How it measures up in Indian Rocks Beach 33785

The dot is this home. The mark in the middle is the typical home in Indian Rocks Beach 33785.

Estimated value$1,340,614
CheaperTypical $779,804Pricier

Pricier than 85% of homes nearby

Price per ft²$897
CheaperTypical $596Pricier

Pricier than 92% of homes nearby

Living area1,495 ft²
SmallerTypical 1,325 ft²Bigger

Bigger than 64% of homes nearby

Lot size0.17 ac
SmallerTypical 0.17 acBigger

Bigger than 50% of homes nearby

Year built1972
OlderTypical 1981Newer

Newer than 21% of homes nearby

How 435 Harbor Dr S ranks against every home in each area.
MeasureThis homeIndian Rocks Beach 33785Pinellas County
Estimated valuepricier than$1,340,61485% of homes96% of homes
Price per ft²pricier than$89792% of homesalmost all homes
Living areabigger than1,495 ft²64% of homes62% of homes
Lot sizebigger than0.17 ac50% of homes37% of homes
Year builtnewer than197221% of homes47% of homes

About 435 Harbor Dr S

How much is 435 Harbor Dr S, Indian Rocks Beach, FL worth?

The TopHap Estimate for 435 Harbor Dr S, Indian Rocks Beach, FL is $1,340,614 as of Jun 23, 2026. The likely range is $1,193,146 to $1,488,081. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 435 Harbor Dr S, Indian Rocks Beach, FL last sell?

435 Harbor Dr S, Indian Rocks Beach, FL last sold on Jan 4, 2010 for $400,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 435 Harbor Dr S, Indian Rocks Beach, FL?

435 Harbor Dr S, Indian Rocks Beach, FL has 2 bathrooms, 1,495 square feet of living space and a 0.17-acre lot.

When was 435 Harbor Dr S, Indian Rocks Beach, FL built?

435 Harbor Dr S, Indian Rocks Beach, FL was built in 1972, making it 54 years old. The building has 1 story.

What schools serve 435 Harbor Dr S, Indian Rocks Beach, FL?

435 Harbor Dr S, Indian Rocks Beach, FL is assigned to Anona Elementary (elementary), rated A; Largo High School (high), rated B-; Seminole Middle School (middle), rated B+. All sit in Pinellas County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 435 Harbor Dr S, Indian Rocks Beach, FL compare to other homes in Indian Rocks Beach 33785?

Among the 5,409 homes in Indian Rocks Beach 33785, it is worth more than 85% of them ($1,340,614 against a typical $779,804), its price per square foot is higher than 92% of them ($897 against a typical $596), it is bigger than 64% of them (1,495 ft² against a typical 1,325 ft²), its lot is bigger than 50% of them (0.17 ac against a typical 0.17 ac) and it is newer than 21% of them (1972 against a typical 1981). Measured against all of Pinellas County, it is worth more than 96% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 435 Harbor Dr S, Indian Rocks Beach, FL?

The 2025 property tax bill for 435 Harbor Dr S, Indian Rocks Beach, FL was $13,768. The county assessed it at $874,020.

Closest homes

More homes in Indian Rocks Beach 33785

Assigned schools

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