302 S MAYO STREET, Crystal Beach, FL, 34681 | $495,000

Under contract-accepting backup offers. Come home to Crystal Beach — a charming, golf cart–friendly waterfront community where neighbors gather to watch breathtaking sunsets by the shore. This beautifully updated home has been completely transformed and is move-in ready. Step inside to an inviting open floor plan featuring plank tile flooring throughout, fresh interior paint, custom lighting, and a stunning wood plank ceiling. Enjoy peace of mind with hurricane-impact windows, solid block construction, a metal roof, and a brand-new AC system installed in 2023. The chef’s kitchen is a showstopper, offering bar seating, stainless steel appliances, granite countertops, and custom wood cabinetry. Both bathrooms have been tastefully remodeled with elegant tiled showers, glass doors, and brushed nickel rain shower heads. The primary suite features a walk-in closet and stylish barn doors for both the bedroom and bathroom, while the second bedroom (also with a barn door) currently serves as a cozy additional living area with direct pool access. The indoor laundry room is spacious and has access to the large, fenced back yard. Step outside to your screened lanai and enjoy the solar heated saltwater pool, outdoor shower with hand-held rain shower and sink, a fully fenced yard, and detached storage shed—plus plenty of space for extra parking. The home features an additional parking pad with brand new car port recently installed in the rear of the home accessed by the alley, which is the perfect spot for the RV, Boat or extra cars. The block shed is equipped with electric and is perfect to store all your lawn tools and bikes, or to create your mini-workshop. The front paver driveway is beautiful and spacious, and additional parking is also in the front of the home on the shelled drive. This incredible home is located just steps from the water and minutes from local dining and shops. There is an OPTIONAL HOA (Crystal Beach Community Association) with fees of just $30 per year, which hosts numerous events throughout the year for the community. Crystal Beach is the perfect location to launch your paddle boards, take in the sunset, meet up with friends, and enjoy the Live Oak park located across from the water. The community offers a new Fishing pier in walking distance from the home. Zoned for great schools including Ozona Elementary, Palm Harbor Middle and Palm Harbor University. Whether you’re looking to downsize, find your perfect winter retreat, or invest in a property that can be leased short or long term, (as there are no rental restrictions here!) this Crystal Beach gem checks every box.

Features

  • Rooms: 3
  • Bedrooms: 2
  • Baths: 2 full / 1 half
  • Lot Size: 59 x 125
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 1954
  • Garage: Covered, Parking Pad
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,316
  • Acreage: 0.17
  • Lot Size: 59 x 125
  • Est. Taxes: $4,293
  • Lot Desc: Flood Insurance Required, FloodZone, Landscaped, Level, Near Golf Course, Near Marina, Unincorporated
  • Elem. School: Ozona Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Pool: Heated, In Ground, Salt Water, Screen Enclosure, Solar Heat
  • Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator, Water Softener
  • MLS#: TB8520558
  • Days on Market: 12 days
  • Website: https://www.raveis.com
    /prop/TB8520558/302smayostreet_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 7/5/2026 5:32:42 PM)
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL   Phone: 727-493-1555

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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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302 S MAYO STREET, Crystal Beach, FL, 34681

$495,000

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 $396,000 $396,000 $396,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $358 $358 $358
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,372 $2,500 $3,288
Total Monthly Payment $2,805 $2,933 $3,721

* 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.