224 ONTARIO AVENUE, Crystal Beach, FL, 34681 | $559,000

Live the coastal dream in this meticulously maintained, bright and airy Key West-style elevated home, located in the highly desirable, golf cart friendly Crystal Beach Community. Built in 1988, this 3-bedroom, 2. 5-bathroom home is designed for easy Florida living.
Enjoy peace of mind knowing the home is elevated, offering both stunning Gulf breezes and views. The lower level features a spacious two-car garage with plenty of room for kayaks, a golf cart, a tool bench, and extra storage. A 400 sq. ft. enclosed game room/additional guest suite is perfect for entertaining, complete with custom doors, a built-in bar, ceramic tile flooring, a half bath, and a private patio with sliding glass doors leading to the backyard.
Upstairs, the large, welcoming front deck is an ideal spot for relaxing with a drink in hand to catch the sunset or great conversation. In the main living area, the open and airy space features wide hardwood flooring (installed in 2018) and sunlit rooms throughout. Newer updated kitchen cabinets and appliances in the kitchen offer ample storage and are spot on for a friendly soiree. Three spacious bedrooms flank the east side of the home, currently one is used as the office / yoga room by the homeowner. The updated bathrooms boast ceramic tile and the guest bathroom includes a bath / shower combo. The primary suite offers its own private deck in the back, creating a peaceful retreat to enjoy a good book overlooking the backyard.
Step outside in the back and enjoy the lush, mature landscaping that enhances the spacious backyard, complete with a fire pit area, perfect for cozy evenings under the stars. The side yard offers an outdoor shower including both hot and cold water, a great way to rinse off or clean up after a day at the beach. Completing the outdoor space is an automatic irrigation system installed in 2020.
The amount of care and detail the current homeowner has put into this home is extremely evident and must be seen in person. Additional recent upgrades include newer doors and windows (2018), along with fresh exterior paint and Hardie Brand siding (2022), updated HVAC (2018), a 2022 Mitsubishi mini-split air conditioner / dehumidifier on the lower level for added comfort. A newer roof (2018) provides long-term durability and insurance discounts. Located just moments from the Gulf, this home offers the best of Crystal Beach living—tranquility, natural beauty, and proximity to waterfront parks and beaches, and the famous Pinellas Trail. Sought after schools, grocery stores, and Historic Downtown Palm Harbor are just minutes away. Jump on the Jolly Trolly and head towards Tarpon Springs or Dunedin for more adventures.
The Crystal Beach Community is incredibly unique with caring neighbors and monthly optional activities and an optional HOA for $35 a year. A large group gathers nightly at the local beachfront to enjoy the sunset and neighborly dialogue. The area also allows homeowners to store boats and RVs on their property. Whether you're looking for a full-time residence or a coastal retreat, this home is the perfect blend of charm, comfort, and practicality. Don’t miss this rare opportunity to own a slice of paradise in Crystal Beach!

Features

  • Rooms: 5
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Coastal, Elevated, Key West
  • Year Built: 1988
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air, Mini-Split Unit(s)
  • Approx Sq. Feet: 1,416
  • Acreage: 0.13
  • Est. Taxes: $3,884
  • HOA Fee: $35 Annually
  • Lot Desc: Landscaped, Street Dead-End
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8369240
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/TB8369240/224ontarioavenue_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 4/16/2025 11:06:31 PM)
Listing courtesy of Keller Williams Realty- Palm H   Phone: 727-772-0772

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224 ONTARIO AVENUE, Crystal Beach, FL, 34681

$559,000

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 $447,200 $447,200 $447,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.058% 7.063% 6.152%
Monthly Tax Payment $324 $324 $324
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,827 $2,938 $3,744
Total Monthly Payment $3,243 $3,354 $4,160

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.