416 INDIANA AVENUE, Crystal Beach, FL, 34681 | $899,000

ATTENTION QUALIFIED BUYERS-SELLER WILL ASSIST WITH A RATE BUY DOWN SO YOU CAN GET A RATE AS LOW AS 4. 375! GET UP TO $20, 000 towards your rate Buy Down or seller paid closing costs! Come find your treasure in Crystal Beach, a quaint seaside town where neighbors gather to watch sunsets, mingle with friends, fish on the community pier, and enjoy an evening out on the golf cart! This Crystal Beach gem located at 416 Indiana Avenue was newly built in 2021 and sits high and dry outside the flood zone, meaning no flood insurance is required—all while delivering true coastal living just steps from the water. Even through recent hurricanes, the home remained undamaged, offering rare peace of mind for any home Buyer. Enjoy the best of both worlds: the beauty of living in a waterfront community without the hefty insurance costs. The home is Energy Star Certified and equipped with hurricane-rated windows and doors, ensuring safety, efficiency, and an exceptional lifestyle. A warm welcome begins at arrival—framed by graceful oak trees, an antique brick paver walkway, and a spacious front porch ideal for slow mornings and salty breezes. Step through the glass front door with sidelights and into an elegant, well-planned interior featuring 2, 159 sq ft, soaring 10-foot ceilings, and luxury water-resistant vinyl plank flooring throughout. The open-concept great room seamlessly connects living, dining, and kitchen spaces—perfect for entertaining or everyday comfort. At the center, the chef’s kitchen commands attention with: 42” white shaker soft-close cabinetry• Quartz countertops with striking hexagon pearl backsplash• Large entertaining island• Fisher & Paykel commercial-grade gas range with vent hood• Fisher & Paykel whisper-quiet dishwasher• Samsung stainless refrigerator & microwave. Retreat to the serene primary suite, designed for relaxation, with space for king-sized furnishings, a walk-in closet, double vanity, soaking tub, private water closet, and a spa-inspired walk-in shower. This smart, efficient home is thoughtfully upgraded, featuring: • Custom LED lighting and premium fixtures/fans• New automated window blinds on the French doors leading to the lanai• High-end window treatments in the great room & primary suite- Dedicated office/flex room • Full-size laundry room • Oversized two-car garage with alley access• Pull-down attic stairs with foam-blown insulation for energy efficiency• Smart thermostat & fiber-optic wiring. Step through double glass doors onto the covered back porch, where a private fenced backyard awaits—complete with an incredible heated swim spa, creating the perfect setting for starlit evenings and weekend unwinding. Swim Spas are your ticket to health as you can exercise in the privacy of your own backyard! Just two blocks to the beach and two blocks to the Pinellas Trail, the best of Crystal Beach living is right outside your door. And now, the newly rebuilt community pier stands ready to enjoy—offering inspiring views, daily sunsets, community gatherings, and a true sense of coastal connection. Whether you are looking for a home to live in full time, as a winter retreat, or looking for the right investment property which can be leased out short or long term, this home will not disappoint! Zoned for the best schools and just minutes to fine dining and boutique shops. This is a rare opportunity to own a true Crystal Beach treasure. Live the lifestyle you’ve been dreaming of. Call today for more information!

Features

  • Rooms: 4
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Lot Size: 59 x 118
  • Laundry: Inside, Laundry Room, Washer Hookup
  • Style: Coastal
  • Year Built: 2021
  • Garage: 2-car Alley Access, Garage Door Opener, Garage Faces Rear, Guest, On Street, Parking Pad
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,166
  • Acreage: 0.16
  • Lot Size: 59 x 118
  • Est. Taxes: $9,136
  • Lot Desc: Landscaped, Level, Near Golf Course, Near Marina, Sidewalk, Unincorporated
  • Elem. School: Ozona Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator, Tankless Water Heater, Water Filtration System
  • MLS#: TB8455037
  • Days on Market: 157 days
  • Website: https://www.raveis.com
    /prop/TB8455037/416indianaavenue_crystalbeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/30/2026 2:04:48 AM)
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL   Phone: 727-493-1555

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

416 INDIANA AVENUE, Crystal Beach, FL, 34681

$899,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $719,200 $719,200 $719,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.350% 6.259% 6.183%
Monthly Tax Payment $761 $761 $761
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,312 $4,370 $6,069
Total Monthly Payment $5,165 $5,223 $6,922

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.