302 GEORGIA AVENUE, CRYSTAL BEACH, FL, 34681
Active123 days on marketListed Apr 2, 2026MLS #TB8491909
About this home
302 GEORGIA AVENUE
Deep-Water Gulf Access Oasis in Charming Crystal Beach – Your Blank Canvas for a Dream Waterfront Home! Imagine living in a peaceful coastal oasis where vibrant sunset-painted skies greet you every evening. This classic Florida bungalow offers incredible potential on quiet Avery Bayou with direct Gulf access via Sutherland Bayou — no bridges to navigate and out at all tides. Enjoy your private 10,000-pound boat lift and deep-water dock. Perfect for the true Florida boating and fishing lifestyle you’ve been dreaming of. The home experienced flooding during Hurricane Helene, but water damage was fully remediated right afterward. It now stands as a true blank canvas — a rare opportunity to remodel and create your custom dream home while staying within the FEMA 50% Rule . Offered strictly as-is, this project is ideal for the savvy buyer or investor ready to personalize every detail and maximize value in this highly desirable waterfront location. Some of the Property Highlights include: lots of beautiful cosmetic updates in 2017/2018, new roof in 2018. all new PGT windows and doors in 2019 and the dock was completely redone in 2017 including installing the new lift. No HOA, golf-cart friendly. bike to the nearby Pinellas Trail, visit the Crystal Beach fishing pier just blocks away, or hop on your golf cart for stunning direct waterfront sunsets. Fantastic proximity to downtown Palm Harbor, Ozona, Dunedin, Tarpon Springs, the Dunedin Causeway, Honeymoon, Island — with local restaurants nearby and that laid-back coastal vibe. Every day can feel like a vacation when you live on the water. This is a unique chance to own affordable deep-water frontage in Crystal Beach with endless upside and so much old Florida charm. Don’t miss out — schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,280
Sqft
0.15 ac
Lot size
1955
Year built
One
Levels
$410
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.
$3,929 /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
$3,929/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.
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
+11.5%
$/sqft vs CRYSTAL BEACH REV
$410 vs $388
Days on market
123 vs 31 typical
Where $410/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 → $605K
Crystal Beach median sold, yr/yr
95.5%
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 30% 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 302 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 · Oct ’25$355,000
303 S VINCENT STREET · same community
4 bd · 2 ba · 1,294 sqft · $274/sqft · 23 DOM
Sold · Oct ’25$366,000
611 PENNSYLVANIA AVENUE · same community
3 bd · 2 ba · 1,318 sqft · $278/sqft · 6 DOM
Sold · Mar ’26$500,000
104 S MAYO STREET · same community
2 bd · 2 ba · 1,320 sqft · $379/sqft · 128 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 302 GEORGIA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 302 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
302 GEORGIA AVENUE FAQs
What would the monthly payment be for 302 GEORGIA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,929/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 302 GEORGIA AVENUE?+
The most recent tax bill on record (2025) was $5,398. 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 $524,400, this home is listed about 31% 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 302 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
Five things that matter here
01Under the CRYSTAL BEACH 34681 market on paper
$524,400 is 30% below the CRYSTAL BEACH 34681 median of $747,450, and at $410/sqft it sits under the Crystal Beach average of $412.
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
123 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 $549,400, now $524,400 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Bridget Breland. MLS #TB8491909.
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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