TENNESSEE AVENUE, CRYSTAL BEACH, FL, 34681
Active239 days on marketListed Dec 6, 2025MLS #TB8453678
About this home
TENNESSEE AVENUE
Seller is motivated! Waterfront lot. Build your dream home with boat dock across the street. Canal straight to the gulf. Newer composite dock with electric and water hook up. Can hold up to 38ft boat.
Facts & features
The home at a glance
0.14 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,466 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,466/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Where it sits
Inside Crystal Beach
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Crystal Beach market
$1.2M → $605K
Crystal Beach median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
Median sold price, Crystal Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% below the CRYSTAL BEACH 34681 median. See the full Crystal Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near TENNESSEE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$370,000
602 MCCOSH AVENUE · same community
1 bd · 1 ba · 273 sqft · $1,355/sqft · 48 DOM
Sold · Mar ’26$381,000
409 MARYLAND AVENUE · same community
2 bd · 1 ba · 700 sqft · $544/sqft · 87 DOM
Sold · May ’26$345,000
512 TENNESSEE AVENUE · same community
2 bd · 1 ba · 904 sqft · $382/sqft · 122 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about TENNESSEE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for TENNESSEE AVENUE — 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.
Straight answers
TENNESSEE AVENUE FAQs
What would the monthly payment be for TENNESSEE AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,466/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 TENNESSEE AVENUE?+
The most recent tax bill on record (2024) was $3,286. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Crystal Beach?+
At $479,000, this home is listed about 37% below the Crystal Beach median of $760,000. The market section on this page shows how the area is trending.
Which schools are assigned to TENNESSEE AVENUE?+
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
01Under the CRYSTAL BEACH 34681 market on paper
$479,000 is 36% below the CRYSTAL BEACH 34681 median of $747,450.
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
239 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 $579,000, now $479,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BELLOISE REALTY · Dianna Farnell. MLS #TB8453678.
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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