2521 GULFBREEZE CIRCLE, Palm Harbor, FL, 34683 | $450,000

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!

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Style: Ranch
  • Year Built: 1986
  • Garage: 2-car Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,684
  • Acreage: 0.17
  • Est. Taxes: $3,889
  • Lot Desc: Sidewalk
  • Elem. School: Ozona Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Range, Refrigerator, Washer
  • MLS#: TB8520362
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/TB8520362/2521gulfbreezecircle_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 7/1/2026 6:04:46 PM)
Listing courtesy of RE/MAX REALTEC GROUP INC   Phone: 727-789-5555

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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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2521 GULFBREEZE CIRCLE, Palm Harbor, FL, 34683

$450,000

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 $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.