628 N Mayo St Crystal Beach, FL 34681
Estimated payment $5,370/month
Highlights
- Boathouse
- 144 Feet of Waterfront
- Sailboat Water Access
- Ozona Elementary School Rated A-
- Dock has access to electricity and water
- Boat Lift
About This Home
Under contract-accepting backup offers. A rare waterfront masterpiece in Palm Harbor, perfectly positioned on Greens Bayou within the coveted Seaside Point 2nd Addition. This exceptional two-story residence offers 72 feet of direct waterfront frontage on a serene bayou, minutes to the Gulf of America - delivering the ultimate private Florida lifestyle on a .21-acre lot. Built with block construction, stucco exterior, and a durable metal roof, the home combines classic Florida architecture with modern comforts. Inside, 4 spacious bedrooms (1 is currently used an office. Perfect for a rental option) and 3.5 bathrooms span 1,873 sq. ft. of heated living space, thoughtfully designed for both elegant entertaining and everyday comfort. The open floorplan seamlessly connects the kitchen and family room, creating a natural flow for gatherings, while the kitchen itself impresses with solid wood cabinetry, stone countertops, and a bright, casual dining space. Upstairs, the primary suite offers a walk-in closet and private retreat, complemented by a split-bedroom layout for optimal functionality. Additional interior features include built-in elements, ceiling fans, attic ventilation, and a private sauna (Humm 3.5 kw wet/dry stove). Appliances include refrigerator, dishwasher, microwave, washer, and dryer, with mini-split cooling systems throughout and convenient garage laundry access. Outdoor living is a showstopper. Lounge by your private in-ground saltwater pool with concrete decking and lighting, entertain from the rear porch or balcony, or relax by the fire pit. The cold plunge boiler is a 1 1/2 HP eco plus (which is industrial). The property also includes a boathouse, outdoor shower, grill area, mature fruit trees, and lush garden space. A one-car attached garage and fenced yard complete this waterfront sanctuary, with no HOA or association fees. Flood Zone AE (flood deck page is attached) served by public water and sewer; electricity and cable connected. Enjoy the unparalleled combination of tranquility, lifestyle, and convenience, just minutes from Palm Harbor’s premier dining, shopping, and local amenities. Buyer to verify all measurements, zoning, flood, and use restrictions.
Listing Agent
EXP REALTY LLC Brokerage Phone: 888-883-8509 License #3373651 Listed on: 02/02/2026
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $5,080
Year Built
- Built in 1967
Lot Details
- 9,548 Sq Ft Lot
- Lot Dimensions are 83 x 105
- 144 Feet of Waterfront
- 72 Feet of Salt Water Canal Waterfront
- 72 Feet of Bayou Waterfront
- Property fronts a saltwater canal
- Cul-De-Sac
- Unincorporated Location
- Northwest Facing Home
- Vinyl Fence
- Wood Fence
- Chain Link Fence
- Fruit Trees
- Garden
- Property is zoned R-3
Parking
- 1 Car Attached Garage
- Driveway
- Deeded Parking
Property Views
- Water
- Bayou
Home Design
- Custom Home
- Slab Foundation
- Metal Roof
- Block Exterior
- Stucco
Interior Spaces
- 1,873 Sq Ft Home
- 2-Story Property
- Open Floorplan
- Built-In Features
- Ceiling Fan
- French Doors
- Family Room Off Kitchen
- Living Room
- Dining Room
- Storage Room
- Sauna
- Attic Ventilator
- Storm Windows
Kitchen
- Eat-In Kitchen
- Range
- Microwave
- Dishwasher
- Stone Countertops
- Solid Wood Cabinet
Flooring
- Wood
- Recycled or Composite Flooring
- Concrete
- Slate Flooring
- Ceramic Tile
Bedrooms and Bathrooms
- 4 Bedrooms
- Primary Bedroom Upstairs
- Split Bedroom Floorplan
Laundry
- Laundry in Garage
- Dryer
- Washer
Eco-Friendly Details
- Solar Heating System
Pool
- In Ground Pool
- Gunite Pool
- Saltwater Pool
- Pool Deck
- Outdoor Shower
- Outside Bathroom Access
- Pool Tile
- Pool Lighting
Outdoor Features
- Sailboat Water Access
- Property is near a marina
- Access to Saltwater Canal
- Boat Lift
- Boathouse
- Dock has access to electricity and water
- Dock made with wood
- Deeded Boat Dock
- Open Dock
- Balcony
- Covered Patio or Porch
- Exterior Lighting
- Outdoor Grill
- Rain Gutters
Location
- Flood Insurance May Be Required
- Property is near golf course and public transit
Schools
- Ozona Elementary School
- Palm Harbor Middle School
- Palm Harbor Univ High School
Utilities
- Mini Split Air Conditioners
- Heating Available
- Thermostat
- Phone Available
- Cable TV Available
Community Details
- No Home Owners Association
- Seaside Point 2Nd Add Subdivision
Listing and Financial Details
- Visit Down Payment Resource Website
- Legal Lot and Block 17 / 001
- Assessor Parcel Number 35-27-15-79434-000-0170
Map
Home Values in the Area
Average Home Value in this Area
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $6,078 | $327,458 | -- | -- |
| 2024 | $5,986 | $379,046 | -- | -- |
| 2023 | $5,986 | $368,006 | $0 | $0 |
| 2022 | $5,826 | $357,287 | $0 | $0 |
| 2021 | $5,902 | $346,881 | $0 | $0 |
| 2020 | $5,892 | $342,092 | $0 | $0 |
| 2019 | $5,637 | $326,189 | $0 | $0 |
| 2018 | $5,565 | $320,107 | $0 | $0 |
| 2017 | $5,523 | $313,523 | $0 | $0 |
| 2016 | $5,481 | $307,074 | $0 | $0 |
| 2015 | $5,564 | $304,939 | $0 | $0 |
| 2014 | $5,537 | $302,519 | $0 | $0 |
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 03/23/2026 03/23/26 | Pending | -- | -- | -- |
| 03/06/2026 03/06/26 | Price Changed | $940,500 | -5.0% | $502 / Sq Ft |
| 02/19/2026 02/19/26 | Price Changed | $990,000 | -10.0% | $529 / Sq Ft |
| 02/02/2026 02/02/26 | For Sale | $1,100,000 | -- | $587 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $405,000 | Attorney | |
| Warranty Deed | $525,000 | -- | |
| Quit Claim Deed | -- | -- |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $40,500 | Credit Line Revolving | |
| Closed | $324,000 | New Conventional | |
| Previous Owner | $400,000 | Purchase Money Mortgage | |
| Previous Owner | $50,000 | Credit Line Revolving | |
| Previous Owner | $100,001 | New Conventional |
Source: Stellar MLS
MLS Number: TB8458017
APN: 35-27-15-79434-000-0170
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Based on information submitted to the MLS GRID
Listing Information presented by local MLS brokerage: Ten-X - (888)-952-6393
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Ask me questions while you tour the home.