Yachts for sale / Harbor Master 520 Coastal

2001 Harbor Master 520 Coastal

Charleston, SC, US 52 ft · 14 ft' beam 2 cabins
Asking
$109,000
Our Thoughts

Cycling Tides is a 2001 Harbor Master 520 Coastal, a 52-foot coastal cruiser built for owners who value both spacious accommodations and versatile on-water capability. With a 14-foot beam and 3-foot draft, this vessel combines manageable handling with the interior volume and exterior entertaining space that define the Harbor Master 520 platform—making her equally suited to extended liveaboard living, weekend getaways, or entertaining clients and guests in Charleston's protected waters.

The layout flows across three distinct living zones. The salon is the social heart of the boat, featuring a large L-shaped settee to port, panoramic windows on both sides, and direct access to the aft deck. A wall-mounted flat-screen TV with sound bar, Fusion stereo system, and overhead lighting create a comfortable gathering space, while the companionway provides access to the lower helm station. Forward, an entertainment area with wet bar and upper helm station centers on captain's chairs and a destroyer-style wheel, ideal for hosting meetings or casual entertaining. The aft section adds bench seating beneath a bimini top, expanding outdoor entertaining options.

The galley sits aft to starboard and is well-equipped with a full-size stainless steel refrigerator, Princess 3-burner stove and oven, GE microwave, twin stainless steel sinks, and substantial counter and storage space. Twin bar stools at the counter service area support casual dining and entertaining.

Two staterooms provide sleeping accommodations. The master features an island queen berth, hanging locker and drawer storage, and a private entrance to the head and shower with water views from a large window. The forward VIP stateroom includes a double berth, single berth, and a separate stall shower in the head—suitable for guests or crew.

Propulsion comes from twin Mercruiser 7.4 MPI gas engines with approximately 610 hours, offering reliable power for coastal cruising. The 10 kW Kohler genset with shorepower cord provides independent electrical generation, while a ProMariner Prosport battery charger manages both 120-volt AC and 12-volt DC systems. Marine heads (two), automatic bilge pumps, and dedicated hot water service support full-time or extended cruising.

Electronics include a Garmin plotter for navigation, Uniden QT-206W depthfinders at each helm station, Uniden VHF radios at the wheelhouse and flybridge, and Fusion stereo throughout. Exterior features include stainless steel railings and stanchions, 12-volt windlass with anchor roller, large fore and aft decks, enormous upper deck, and fender storage—all supporting both docking convenience and entertaining.

The 200-gallon fuel capacity supports extended range, while the open deck plan and upper entertaining area create multiple options for hosting or cruising. A davit could be added to support a small skiff or tender, transforming Cycling Tides into an ideal mothership platform for exploring Charleston's inshore fisheries and barrier islands.

Located in Charleston, South Carolina, this Harbor Master 520 Coastal represents a well-equipped, spacious vessel ready for immediate cruising or liveaboard use.

Provided listing description Click to read the original broker text

Cycling Tides is a nice 52 Harbor Master that offers huge interior and exterior space. She would make an ideal live-a-board or a weekend condo. There is an enormous upper deck. Host parties or business meetings. A davit could be added and this would make an ideal mothership combo with a small skiff for chasing inshore fish. Cycling Tides is ready to go! Come see her in beautiful and convenient Charleston, SC.

2001 Harbor Master 520 Coastal: Spacious Coastal Cruiser with Dual Helms and Entertaining Potential
Overview
The 2001 Harbor Master 520 Coastal represents a distinctive approach to mid-sized coastal cruising, built around an unusually generous deck and interior footprint that prioritizes space, livability, and entertaining capability. At 52 feet in length with a 14-foot beam and 3-foot draft, *Cycling Tides* combines the stability and seaworthiness expected of a coastal cruiser with the room and comfort typically found in larger motor yachts. Powered by twin Mercruiser 7.4 MPI gas engines and equipped with dual helm stations, a full galley, two staterooms, and expansive social spaces, this vessel is configured equally well for extended cruising, live-aboard operation, or weekend entertaining and business gatherings. The asking price of $109,000 positions her as an accessible entry point into a genuinely spacious cruising platform in the Charleston, South Carolina market.
Layout and Deck Design
The Harbor Master 520 Coastal's defining characteristic is its commitment to open, usable deck and exterior space. The vessel features a large foredeck and generous aft deck, both designed to accommodate guests, fishing activity, or simply relaxing underway. The standout feature is the enormous upper deck—a full-beam entertaining area that serves multiple purposes depending on the owner's priorities. This upper-deck space is suitable for hosting parties, conducting business meetings, or simply enjoying panoramic water views while cruising. The broker notes that the addition of a davit system would position the vessel as an ideal mothership platform, capable of deploying a small flats skiff for shallow-water fishing or exploration while the main vessel remains anchored in deeper water. Forward, the upper deck incorporates an entertainment area with a wet bar and storage, creating a dedicated social hub that is separate from the lower saloon. Aft on the upper deck, bench seating provides additional gathering space, while a Bimini top offers sun and weather protection. Stainless steel railings and stanchions run throughout, providing safety and a finished, professional appearance. Fender storage is integrated into the deck layout, keeping dock gear organized and accessible. The foredeck includes a 12-volt windlass with an anchor roller, supporting safe and convenient anchoring operations across the cruising grounds. The combination of open deck space, multiple seating areas, and weather protection makes the 520 Coastal inherently suited to both active cruising and stationary entertaining.
Helm and Electronics
The Harbor Master 520 Coastal features a dual-helm configuration that is unusual and valuable in a vessel of this size and type. The upper helm is located forward of the wet bar on the upper deck, providing commanding visibility and a natural vantage point for navigation and docking. The lower helm is positioned within the main salon, offering a protected, climate-controlled environment for longer passages or rough-weather operation. This flexibility allows the owner to choose the helm station that best suits current conditions, guest comfort, and operational preference. Both helm stations are equipped with Garmin plotter technology, ensuring consistent navigation capability and chart integration regardless of which station is in use. Uniden depthfinder units (model QT-206W) are installed at each station, supporting fishing and bottom-contact awareness. VHF communication is provided by Uniden equipment: the MC 535 model at the wheelhouse (lower helm) and the Oceanus model at the flybridge (upper helm), ensuring radio capability at both command centers. A Destroyer-style wheel provides ergonomic and traditional helm control, while three captain's chairs offer comfortable seating for the operator and guests during navigation. The dual-helm approach, combined with the robust electronics suite, makes the 520 Coastal well-suited to cruising couples, family operations, or situations where multiple people share helm responsibilities. The upper helm is particularly valuable for docking and close-quarters maneuvering, while the lower helm supports comfortable long-distance cruising.
Salon and Interior Spaces
The main salon is designed around openness and water views rather than subdivision and privacy. A large L-shaped settee to port provides seating for multiple guests, while the layout maintains sight lines and natural light throughout. Panoramic views are available from all angles, achieved through large sliding windows to port and starboard and a design that minimizes bulkheads. A wall-mounted flat-screen television with sound bar serves as a focal point for entertainment, while a Fusion stereo system provides audio throughout the vessel. Synthetic bamboo flooring adds warmth and durability, while overhead and direct lighting supports both functional and ambient illumination. The salon includes access to the aft deck, creating a natural flow between interior and exterior spaces. An HVAC unit provides heating and air-conditioning throughout the vessel, supporting comfort in varied climates and seasons. A companionway connects the salon to the lower helm, allowing easy movement between social and operational spaces. Additional bench seating and a helm chair are positioned to support both casual gathering and navigation.
Galley and Service Areas
The galley is located aft and to starboard, positioned to serve the main salon and staterooms efficiently. A Frigidaire stainless steel full-size refrigerator provides cold storage suitable for extended cruising. A Princess three-burner stove and oven combination supports meal preparation comparable to a land-based kitchen, while a GE microwave adds convenience for reheating and quick meals. Twin stainless steel sinks with large counter-top areas and numerous drawers and storage lockers create a functional, well-equipped cooking and preparation space. Twin stools and a bar-top service area allow guests to sit at the galley while socializing or dining, transforming meal preparation into a social activity.
Staterooms and Sleeping Accommodations
The 520 Coastal provides two staterooms, supporting multi-family cruising, live-aboard operation, or extended guest stays. The master stateroom features an island queen berth positioned to maximize space and comfort. Hanging locker and drawer storage provide dedicated stowage for clothing and personal items, while a huge window allows the master occupant to enjoy water views even while resting. A private entrance to the head and shower creates an ensuite arrangement that prioritizes the master's privacy and convenience. The VIP stateroom is located forward and includes a double berth and a single berth, accommodating either a couple or two individuals. A large head with a separate stall shower serves the forward stateroom, providing dedicated facilities and reducing morning conflicts in multi-guest scenarios. The forward location offers excellent natural light and ventilation, typical of VIP accommodations in cruising yachts.
Mechanical Systems and Power
Twin Mercruiser 7.4 MPI gas engines provide propulsion, with approximately 610 hours on the engines at the time of listing. The 7.4 MPI platform is known for reliable mid-range power suitable to coastal cruising speeds and fuel efficiency appropriate to the vessel's 200-gallon fuel capacity. The dual-engine configuration provides redundancy, allowing operation on a single engine if required for extended range or in the event of minor mechanical issues. A 10-kilowatt Kohler genset with a shorepower cord provides electrical generation independent of the main engines, supporting comfort systems, galley appliances, and hotel loads while anchored or docked. A ProMariner Prosport battery charger manages 120-volt AC and 12-volt DC electrical systems, ensuring reliable battery charging from both genset and shorepower sources. The vessel is equipped with both 120-volt AC and 12-volt DC systems, supporting modern conveniences and traditional marine electrical architecture. Two marine heads with separate facilities support the two staterooms and guest accommodations. Automatic bilge pumps provide continuous water management, while a battery charger supports reliable electrical operation. Hot water systems throughout the vessel support comfort and functionality.
Equipment Highlights
The 520 Coastal is equipped with a comprehensive suite of systems and amenities that support both cruising operation and entertaining: Navigation and Communication: Garmin plotter at both helm stations, Uniden depthfinder units (QT-206W) at each station, Uniden VHF radios (MC 535 at wheelhouse, Oceanus at flybridge), and dual Destroyer-style wheel control. Comfort and Climate: HVAC heating and air-conditioning throughout, hot water system, two marine heads with separate shower stalls, and full-size galley appliances. Entertainment and Audio: Fusion stereo system with speakers throughout, wall-mounted flat-screen television with sound bar in the main salon, and wet bar on the upper deck. Deck Hardware: 12-volt windlass with anchor roller, stainless steel railings and stanchions, Bimini top for weather protection, and integrated fender storage. Electrical: 10-kilowatt Kohler genset with shorepower cord
Length
52 ft
Beam
14 ft'
Year
2001
Builder
Harbor Master
Model
520 Coastal
Cabins
2
2001 Harbor Master 520 Coastal **Q: What type of boat is a Harbor Master 520 Coastal and who would it be suited for?
The Harbor Master 520 Coastal is a 52-foot displacement cruising vessel designed for comfortable extended cruising and liveaboard use. With its spacious interior, multiple staterooms, and generous deck areas, it appeals to cruisers seeking a floating home with entertaining space, as well as boaters interested in a mothership platform for inshore fishing operations. The shallow 3-foot draft makes it accessible to coastal waters and protected bays.
What is the engine configuration and performance capability of this Harbor Master 520?
The Cycling Tides is powered by twin Mercruiser 7.4 MPI gas engines with approximately 610 hours of operation. These engines provide reliable propulsion for a vessel of this size and displacement, offering adequate power for coastal cruising while maintaining fuel efficiency typical of larger cruising yachts. The 200-gallon fuel capacity supports extended cruising range appropriate for weekend trips and longer coastal passages.
How is the helm station configured on this vessel?
The Harbor Master 520 features a two-station helm design with an upper helm located in the forward entertainment area and a lower helm accessible from the main salon. The upper helm includes a Destroyer-style wheel, captain's chairs, and full instrumentation with Garmin plotter and Uniden VHF radio. This dual-station setup provides flexibility for different cruising conditions and allows the captain to choose between open-air upper deck commanding or protected lower helm operation.
What electronics and navigation equipment are included?
Navigation and communication systems include a Garmin plotter for chartplotting, dual Uniden Depthfinder units (QT-206W) at each station for sonar, Uniden VHF radios at both the wheelhouse and flybridge (Oceanus model), and a Fusion stereo system throughout. These electronics support safe coastal navigation, fish finding capability, and reliable communication for extended cruising.
What accommodation and sleeping arrangements does the Harbor Master 520 offer?
The vessel provides two staterooms with a master suite featuring an island queen berth, hanging locker, drawer storage, and a private entrance to the head and shower with water views. The forward VIP stateroom includes a double berth and single berth with a separate stall shower, providing comfortable sleeping for up to four to five guests. This layout makes the boat suitable for extended liveaboard living or hosting family and friends for weekend cruises.
How is the galley equipped for cooking and meal preparation?
The galley is located aft and starboard with a full-size stainless steel refrigerator with ice maker, a Princess 3-burner stove and oven, GE microwave, and twin stainless steel sinks. Extensive counter space and multiple drawers and storage lockers provide ample room for meal preparation and provisioning. A bar-top service area with twin stools extends the functionality for casual dining and entertaining.
What makes the interior layout suitable for liveaboard use?
The open and inviting salon features a large L-shaped settee, panoramic windows for water views from all angles, a wall-mounted flat screen television with sound bar, and direct overhead lighting. The HVAC system with heating and air conditioning maintains comfort year-round. Two marine heads, hot water, and generous storage throughout the vessel support the practical needs of full-time living aboard, while the spacious layout prevents the cramped feeling common in smaller vessels.
How much exterior and entertainment space does the Harbor Master 520 provide?
The vessel offers enormous deck areas including large fore and aft decks and an exceptionally large upper deck suitable for hosting parties, business meetings, or simply enjoying the water. The upper entertainment area features a wet bar with storage, captain's chairs, bimini top for weather protection, and stainless steel railings and stanchions. This expansive outdoor space is one of the defining characteristics of the design and sets it apart for entertaining and outdoor living.
Could this vessel be configured as a mothership for inshore fishing operations?
Yes, the Harbor Master 520 is well-suited to serve as a mothership platform. The design allows for the addition of a davit system to deploy a small flats skiff, enabling anglers to chase inshore fish while maintaining the comfort and amenities of the larger vessel. The spacious deck layout, shallow draft, and cruising capability make it practical for supporting small boat fishing operations while providing comfortable accommodations between fishing days.
What onboard systems support extended cruising and self-sufficiency?
The vessel is equipped with a 10 kW Kohler generator with shore power cord for electrical independence, a ProMariner Prosport battery charger, 120-volt AC and 12-volt DC electrical systems, automatic bilge pumps for water management, and a 12-volt windlass with anchor roller for anchoring in remote locations. These systems provide the infrastructure needed for comfortable extended cruising away from marina facilities while maintaining modern conveniences.

Fly Yachts is pleased to assist you in the purchase of this vessel. This boat is centrally listed by United Yacht Sales - South Carolina / North Carolina Area. It is offered as a convenience by this broker/dealer to its clients and is not intended to convey direct representation of a particular vessel.

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