408 GEORGIA AVENUE, CRYSTAL BEACH, FL, 34681
Active159 days on marketListed Feb 26, 2026MLS #TB8479610
About this home
408 GEORGIA AVENUE
Experience the quintessential Florida lifestyle in this pristine, Key West-inspired coastal retreat located in the golf-cart-friendly community of Crystal Beach. This 3-bedroom, 2-bath residence radiates "coastal chic" with stunning new blonde luxury vinyl plank flooring, modern quartz countertops, and a neutral palette. The open-concept first floor seamlessly connects a stylish kitchen—featuring solid wood cabinetry and a glass backsplash—to welcoming living and dining spaces. Retreat to the second floor, where the spacious primary suite offers a private oasis complete with a walk-in closet and a spa-like ensuite featuring a jacuzzi tub and frameless glass shower. Two additional bedrooms provide versatility, with one offering French door access to the charming front balcony. Outdoor living is a dream on the expansive back deck, overlooking a fenced 50x118 lot with plenty of room for a future pool. Best of all, this home has never flooded (Zone AE) and allows for short-term rentals (1-7 day minimum), making it a fantastic investment or primary residence. Located steps from the Pinellas Trail, local marinas, and top-rated schools like Palm Harbor University High, this move-in-ready gem offers the perfect blend of leisure and luxury. For added flexibility and future potential, the adjacent Lot 10 is also available for purchase at an additional price—offering a rare opportunity to expand your footprint or secure extra investment value.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,840
Sqft
0.14 ac
Lot size
2
Garage
1993
Year built
Two
Levels
$399
Per sqft
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.
$4,664 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,664/mo
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.
vs edgeAI estimate
+38.2%
$/sqft vs CRYSTAL BEACH REV
$399 vs $388
Days on market
159 vs 66 typical
Where $399/sqft sits among the 13 homes for sale in CRYSTAL BEACH REV
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
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 → $850K
Crystal Beach median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
11 of 13
CRYSTAL BEACH REV have cut their price
Median sold price, Crystal Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% 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 408 GEORGIA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$605,000
349 KENTUCKY AVENUE · same community
2 bd · 3 ba · 1,916 sqft · $316/sqft · 71 DOM
Sold · Nov ’25$789,900
378 TENNESSEE AVENUE · same community
3 bd · 3 ba · 2,132 sqft · $370/sqft · 30 DOM
Sold · Oct ’25$680,000
410 GEORGIA AVENUE · same community
3 bd · 2 ba · 1,541 sqft · $441/sqft · 120 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 408 GEORGIA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 408 GEORGIA 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
408 GEORGIA AVENUE FAQs
What would the monthly payment be for 408 GEORGIA AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,664/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 408 GEORGIA AVENUE?+
The most recent tax bill on record (2024) was $3,150. 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 408 GEORGIA AVENUE?+
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 $735,000, this home is listed about 13% below the Crystal Beach median of $842,450. The market section on this page shows how the area is trending.
Which schools are assigned to 408 GEORGIA 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
Three things that matter here
01Time on market is leverage
159 days on market against a Crystal Beach median of 66 — sellers in this position are usually ready to negotiate.
02Strong 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.
03The price has already moved
Listed at $875,000, now $735,000 — a $140K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Tanner Tillung. MLS #TB8479610.
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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