137 PENNSYLVANIA AVENUE, Palm Harbor, FL, 34683 | $420,000

Welcome to your Crystal Beach tropical oasis! This beautiful modern updated bungalow includes three-bedrooms and two updated baths. The home has a thoughtfully designed living space, and is truly move-in ready and ideal for those who love indoor and outdoor living. Step inside to a bright and airy layout featuring a modern kitchen with granite countertops, stainless steel appliances, and white soft close shaker cabinets. The open living area has plantations shutters and flows seamlessly into the bedrooms, while the updated bathrooms include a stunning tiled shower that adds a touch of spa-like luxury. Wood-look tile flooring throughout enhances both style and durability. Your primary bedroom is large and has an En-suite bath with a laundry room conveniently located in the en-suite bath. The true highlight of this home is the tropical backyard retreat. Enjoy lush landscaping, a pergola-covered hot tub, a spacious patio perfect for outdoor dining, and a fenced yard offering privacy and relaxation. The detached structure includes electricity and a mini-split A/C system with sound absorbing wall, creating a versatile bonus space ideal for a musicians area, media room, she shed, man cave, home office or to convert to a mother in law. The a/c unit was literally just replaced and elevated. Crystal beach is a family friendly community with top rated schools , plenty of parks and playgrounds. Crystal beach has the laid back "old Florida" feel, very dog friendly, and the 47 mile Pinellas Trail runs through the city which is popular with Cyclists and walkers. Yes it is also Golf cart friendly, so come and enjoy a sunset and community gatherings. You will love Honeymoon and Caladesi Island. You will love your new home, book your showing now!

Features

  • Rooms: 5
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 50 x 117
  • Laundry: Inside
  • Style: Bungalow
  • Year Built: 1957
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,164
  • Acreage: 0.14
  • Lot Size: 50 x 117
  • Est. Taxes: $2,458
  • Lot Desc: Flood Insurance Required, FloodZone
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8485021
  • Days on Market: 71 days
  • Website: https://www.raveis.com
    /prop/TB8485021/137pennsylvaniaavenue_palmharbor_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 5/26/2026 6:33:45 PM)
Listing courtesy of Coldwell Banker Realty   Phone: 727-360-6927

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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137 PENNSYLVANIA AVENUE, Palm Harbor, FL, 34683

$420,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $336,000 $336,000 $336,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.628% 5.933%
Monthly Tax Payment $205 $205 $205
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,042 $2,122 $2,790
Total Monthly Payment $2,322 $2,402 $3,070

* 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.