David Ramirez
$2,495,950$2,699,5004 bd4 ba4,163 sqft$600 /sqft$16,005 /mo all-in ↓

615 N MAYO STREET, CRYSTAL BEACH, FL, 34681

Active305 days on marketListed Oct 1, 2025MLS #TB8433362

Reduced $204KWaterfrontPrivate poolSingle Family ResidenceSEASIDE POINT

About this home

615 N MAYO STREET

Few homes in Florida stop you at the door. This one does — unobstructed Gulf views stretching to the horizon, with front-row seats to the kind of sunsets that make people never want to leave Crystal Beach. Welcome to one of Pinellas County's most beloved coastal villages, where timeless Old Florida charm meets a true community lifestyle. Golf-cart friendly and rich in history, Crystal Beach offers a Gulf-front park shaded by century-old Oaks, a fishing pier, children's activity center, a quaint seaside church, and direct access to the 54+ mile Pinellas Trail. Golf cart parades, holiday block parties, concerts in the park, and sunset gatherings at the pier — this isn't just a neighborhood, it's a lifestyle. This exceptional Key West-style home spans 4,163 square feet on an oversized 0.31-acre lot. Originally established in 1954, the home underwent a complete ground-up reconstruction completed in 2001 — rebuilt with commercial-grade materials including insulated concrete forms, steel framing, heavy-gauge steel studs, and four independent HVAC systems. Buyers benefit from the charm and legacy of a historic Crystal Beach address with the structural integrity and insurance profile of a home effectively built in the 21st century. The chef's kitchen is appointed with a SubZero refrigerator, dual Décor convection ovens, a six-burner gas and electric cooktop, warming drawer, 48-inch range hood, tankless water heater, and is plumbed for a second dishwasher. It opens seamlessly to the family room, where soaring ceilings and a stone fireplace anchor the space — with the Gulf as your constant backdrop. The second-floor primary suite is a true retreat, featuring vaulted exposed-beam ceilings, dual walk-in closets, and a spa-style bath with a double-head steam shower, soaking tub, dual vanities, and a private water closet. A generous window seat flows to a private balcony with uninterrupted Gulf views — the perfect place to end every day. Outside, tropical landscaping — including banana and mango trees — surrounds a temperature-controlled PebbleTec saltwater pool and spa with sun shelf. The private dock, built with lifetime-warranty WearDeck composite planks, features a boat lift and generous seating. From here, Anclote Key Lighthouse, Three Rooker Bar, and Honeymoon Island are minutes away by boat — or head south to Clearwater and St. Pete for a weekend of waterfront dining. Inside, the home is equally suited for fun and function. A music and game room connects to two guest bedrooms with a shared bath. A large fitness studio opens directly to the pool and Gulf — workouts with a view. A loft above the family room is a favorite hangout spot, and a spacious laundry and mudroom adds everyday practicality. The oversized 2.5-car garage doubles as a workshop with built-in storage — and a freestanding elevator provides easy access to the large, fully walkable attic above. Nearby, the vibrant dining and arts scenes of Dunedin and Tarpon Springs are just minutes away, with two international airports within easy reach. Whether you're seeking a full-time residence, a waterfront escape, or a generational investment — opportunities like this on the Gulf are genuinely rare. Schedule your private showing today, and welcome home to Crystal Beach.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

4,163

Sqft

0.31 ac

Lot size

2

Garage

1954

Year built

Two

Levels

$600

Per sqft

Private poolWaterfrontFireplaceWater viewNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile · Porcelain Tile
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Gas Water Heater · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer · Water Softener
InteriorAttic Fan · Ceiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Split Bedroom · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air · Mini-Split Unit(s) · Other · Zoned
HeatingCentral · Electric · Heat Pump · Other · Zoned
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionCement Siding · Concrete · ICFs (Insulated Concrete Forms) · Metal Frame · Wood Frame · Wood Frame (FSC Certified)
FoundationSlab
ViewWater
FacesEast
ParkingDriveway · Garage Door Opener · Garage Faces Side · Ground Level · Oversized · Workshop in Garage
ExteriorAwning(s) · Balcony · Irrigation System · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

Taxes (2025)$17,290/yr
PetsYes
CommunityFishing · Public Boat Ramp · Water Access · Waterfront · Golf Carts OK · Irrigation-Reclaimed Water · Park

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Fire Hydrant · Natural Gas Available · Phone Available · Propane · Public · Sewer Connected · Sprinkler Meter · Sprinkler Recycled · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$16,005 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$13,468
PMI (est., until 20% equity)$936
Property tax — 2025 actual bill$1,441
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $249,595Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $249,595
Interest rate6.00%
Loan term

Estimated payment

$16,005/mo

Principal & interest$13,468
PMI (est., until 20% equity)$936
Property taxes (actual bill)$1,441
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $2.5M
$1.6MedgeAI estimate $1,776,958 · range $1.6M$2.1M$2.6M

vs edgeAI estimate

+40.5%

$/sqft vs Crystal Beach actives

$600 vs $388

Days on market

305 vs 31 typical

Where $600/sqft sits among the 23 Crystal Beach actives

7
11
2
1
0
2 · this home
$324–370$370–416$416–462$462–508$508–554$554+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Crystal Beach

Map of 615 N MAYO STREET

Drive times from this address

Tampa Int’l Airport (TPA)40 min
Downtown Tampa44 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Crystal Beach. See the full Crystal Beach guide →

CRYSTAL BEACH 34681 — neighborhood snapshot

Population

1,331

Median age

42.9

Median home value

$680,500

Avg household

2.63

Households w/ children

253

For the school run

Pinellas County School District

HighPalm Harbor University High★★★★
ElementaryOzona Elementary School★★★★★
MiddlePalm Harbor Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Crystal Beach market

Seller’s marketLeans buyer10.7 months of inventoryBuyer’s market

$1.2M$605K

Crystal Beach median sold, yr/yr

95.5%

Sale-to-list ratio (12 mo)

19 of 23

Crystal Beach actives have cut their price

Median sold price, Crystal Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 234% above the CRYSTAL BEACH 34681 median. See the full Crystal Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,495,950 $204K
Oct 1, 2025Listed at $2,699,500 · 305 days on market since
1954Built · SEASIDE POINT

Reality check

What actually sold near 615 N MAYO STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

363 SANCTUARY DRIVESold · Nov ’25

$1,150,000

363 SANCTUARY DRIVE

5 bd · 4 ba · 3,743 sqft · $307/sqft · 228 DOM

1723 OYSTER POINT WAYSold · Feb ’26

$2,500,000

1723 OYSTER POINT WAY

4 bd · 3.5 ba · 3,490 sqft · $716/sqft · 0 DOM

1718 SANCTUARY PLACESold · Jun ’26

$850,000

1718 SANCTUARY PLACE

3 bd · 3.5 ba · 3,116 sqft · $273/sqft · 24 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 615 N MAYO STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 615 N MAYO STREET — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

615 N MAYO STREET FAQs

What would the monthly payment be for 615 N MAYO STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,005/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 615 N MAYO STREET?+

The most recent tax bill on record (2025) was $17,290. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 615 N MAYO STREET?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Crystal Beach?+

At $2,495,950, this home is listed about 228% above the Crystal Beach median of $760,000. The market section on this page shows how the area is trending.

Which schools are assigned to 615 N MAYO STREET?+

Palm Harbor University High (high), Ozona Elementary School (elementary), Palm Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$2,495,950 runs 234% above the CRYSTAL BEACH 34681 median — but at 4,163 sqft it's also nearly twice the size of the typical Crystal Beach listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

305 days on market against a Crystal Beach median of 31 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Palm Harbor University High, Ozona Elementary School, Palm Harbor Middle School — Palm Harbor University High rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $2,699,500, now $2,495,950 — a $204K cut. The full history is in the market section below.

Listing courtesy of WIKLE INCORPORATED · Nate Hatzie. MLS #TB8433362.

IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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