420 HANBY STREET, Crystal Beach, FL, 34681 | $795,000

Live like a 3-bedroom: Boasting the square footage of a traditional 3-bedroom home, this unique coastal retreat features 2 official bedrooms plus a spacious, light-filled bonus room easily utilized as a 3rd bedroom, home office, or guest suite. Experience this enchanting coastal retreat in the highly sought-after Crystal Beach / Palm Harbor golf cart community, set on a secluded and expansive 0. 57-acre lot in Crystal Beach, with no HOA or deed restrictions—an increasingly rare find. Tucked away down a private road and surrounded by majestic mature oak trees, stunning staghorn ferns, gulf breezes and lush tropical landscaping, this unique Old Florida-style elevated home offers over 25, 000 square feet of combined indoor and outdoor living space, including wrap-around screened decking, high ceilings, and seamless indoor-outdoor flow. Inside, the open-concept layout features bamboo wood floors, a gas-burning fireplace, a galley-style kitchen with breakfast bar, and a light-filled sunroom with vaulted ceilings and floor-to-ceiling windows that can easily serve as a third bedroom. The spacious primary suite includes a walk-in closet, French doors, and a spa-like bath with slipper tub and walk-in shower overlooking tranquil garden views. Meticulously maintained, the home also includes a durable metal roof, a recent 4-point inspection, hurricane-rated windows, and three covered carport spaces with room for boats, RVs, and golf carts. A private rear gate provides direct access to the Pinellas Trail, and is a few short blocks from sunsets at Live Oak Park, Gulf Shore Park, and Crystal Beach Pier, plus an easy bike ride to Honeymoon Island State Park. Located in a top-rated school zone including Ozona Elementary and Palm Harbor University High School, and just 30 minutes to Tampa International Airport with easy access to St. Petersburg, Tarpon Springs, Ozona, Clearwater, and Gulf beaches, this one-of-a-kind property offers a compelling blend of privacy, land value, and coastal lifestyle, ideal as a primary residence, second home, or unique investment opportunity in one of Florida’s most charming historic waterfront communities.

Features

  • Rooms: 7
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Washer Hookup
  • Style: Elevated, Florida, Key West, Cape Cod
  • Year Built: 1981
  • Garage: Tandem, Under Building
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,640
  • Acreage: 0.57
  • Est. Taxes: $2,708
  • Lot Desc: Near Marina, Oversized Lot, Street Dead-End, Unincorporated
  • View: Trees/Woods
  • Elem. School: Ozona Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Pet Policy: Yes
  • Appliances: Microwave, Range, Refrigerator, Dishwasher, Electric Water Heater
  • MLS#: TB8495958
  • Days on Market: 43 days
  • Website: https://www.raveis.com
    /prop/TB8495958/420hanbystreet_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 5/31/2026 6:06:26 AM)
Listing courtesy of EXP REALTY LLC   Phone: 888-883-8509

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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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420 HANBY STREET, Crystal Beach, FL, 34681

$795,000

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 $636,000 $636,000 $636,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $226 $226 $226
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,809 $3,968 $5,239
Total Monthly Payment $4,127 $4,286 $5,557

* 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.