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Under contract-accepting backup offers. Set on a corner lot in Crystal Beach Estates, this updated 3-bedroom, 2-bathroom Palm Harbor home captures the easygoing feel of Crystal Beach with a bright split-bedroom layout and inviting outdoor spaces in a highly sought-after neighborhood setting. A covered porch entry welcomes you into a bright and open living room with vaulted ceilings, wood-look tile floors, plantation shutters, and views out to the patio. The living room flows naturally into the dining room, creating a comfortable setting for everyday living and entertaining. The eat-in kitchen is beautifully appointed with stainless steel appliances, granite countertops, breakfast bar seating, cabinet pullouts, soft-close drawers, and a cheerful breakfast nook surrounded by windows. The kitchen opens to the family room, creating a connected everyday living space with tile flooring, vaulted ceilings, and French doors leading out to the patio. From there, the home extends outdoors to an oversized screened lanai featuring a covered seating area and wood deck, perfect for relaxing, dining, grilling, or enjoying peaceful evenings at home. Beyond the lanai, the xeriscaped backyard offers low-maintenance outdoor space with mature landscaping, tropical greenery, and a private fenced setting. The primary bedroom is set on its own side of the home with vaulted ceilings, French doors to the patio, and an updated ensuite bath featuring a custom vanity, beautifully tiled glass-enclosed stand-up shower, high arched window, and walk-in closet with organized storage. On the opposite side of the home, two additional bedrooms and a full bath complete the split layout. Recent updates add peace of mind, including roof (2020), fresh exterior paint, all new hurricane impact windows and doors (2023), appliances (2021), washer and dryer (2019), deck (2023), screen enclosure (2023), garage doors and opener (2024), electrical box with 150 AMP service (2026), and a sprinkler system. No HOA, no CDD, and non-flood area/Flood Zone X. Crystal Beach, just off Alt 19 in Palm Harbor, offers a true neighborhood setting with timeless Florida charm, a slower pace, and a strong sense of community. At the end of Crystal Beach Avenue, Live Oak Park, Crystal Beach, and Crystal Beach Pier are known for gorgeous sunsets and daily gatherings. Less than 2 miles to Palm Harbor University High School, a mile and a half to Downtown Palm Harbor, just one mile to Crystal Beach Pier, and only 0. 4 miles to the Pinellas Trail. Proximity to restaurants, shopping, medical services, and easy access to Dunedin, Tarpon Springs, Ozona, Honeymoon Island, Clearwater, pristine beaches, and 20 miles from Tampa International Airport. Truly a must-see!
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Our Executive Mortgage Banker:
Our Insurance Division:
$450,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $360,000 | $360,000 | $360,000 |
| 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% | 6.640% | 5.972% |
| Monthly Tax Payment | $324 | $324 | $324 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,187 | $2,273 | $2,989 |
| Total Monthly Payment | $2,586 | $2,672 | $3,388 |
* 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.