$910,000
SOLD APR 22, 2026

628 N Mayo St Crystal Beach, FL 34681

4 Beds
3.5 Baths
1,873 Sq Ft
9,548 Sq Ft Lot Lot

Sale Details

Date Sold: April 22, 2026

$486 Per Sq Ft

17% Below List Price

49 Days on Market

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

As of April 2026

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.

Last Agent to Sell the Property

Tanner Tillung

EXP REALTY LLC Brokerage Phone: 888-883-8509 License #3373651 Listed on: 02/02/2026

EXP REALTY LLC

Last Buyer's Agent

Linda Caruso

KELLER WILLIAMS REALTY- PALM H License #3014417

KELLER WILLIAMS REALTY- PALM H

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
  • Fire Pit
  • 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

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,080

Year Built

Built in 1967

Lot Details

9,548 Sq Ft Lot

Parking

1

Listing Details

  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Single Family Residence
  • Architectural Style: Custom
  • Construction Materials: Block, Stucco
  • Fireplace: No
  • Living Area: 1873
  • Lot Size Acres: 0.21
  • New Construction: No
  • Year Built: 1967
  • Building Area Total: 2798
  • Lot Size Sq Ft: 9548
  • Status: Sold
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 259.94
  • Escrow City: Tampa
  • Escrow State: FL
  • Escrow Street Name: N Lois Ave, Suite 710
  • RATIO Current Price By Calculate: 485.85
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 1
  • Planned Unit Development Yn: 0
  • AG Exemption YN: 0
  • MFR_InLawSuiteYN: 0
  • MFR_DockDescription: Dock - Open,Dock - Slip Deeded On-Site,Dock - Wood,Dock w/Electric,Dock w/Water Supply
  • MFR_DockYN: 1
  • Attribution Contact: 888-883-8509
  • Tax Year: 2025
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Ceramic Tile, Slate, Wood
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Interior Amenities: Attic Ventilator, Built-in Features, Ceiling Fans(s), Eat-in Kitchen, Kitchen/Family Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Sauna, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat
  • Appliances Included: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: Two
  • Other Equipment: Fire Pit
  • Spa Yn: No
  • Stories: 2
  • Window Features: Storm Window(s)
  • Additional Rooms: Storage Rooms
  • Living Area Meters: 174.01

Exterior Features

  • Direction Faces: Northwest
  • Other Structures: Boat House
  • Pool Features: Deck, Gunite, In Ground, Lighting, Outside Bath Access, Salt Water, Tile
  • Exterior Features: Balcony, Fire Pit, French Doors, Garden, Lighting, Outdoor Grill, Outdoor Shower, Rain Gutters, Sauna
  • Roof: Metal
  • Pool Private: Yes
  • View: Water
  • Water Body Name: GREENS BAYOU
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Rear Porch
  • Road Surface Type: Paved
  • Water Access: Canal - Saltwater
  • Water Extras: Boathouse,Lift,Sailboat Water
  • Water Frontage Feet Canal Salt: 72
  • Water View: Bayou
  • Water View YN: 1
  • Waterfront Feet Total: 144
  • Water Frontage Feet Bayou: 72

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 1
  • Garage Yn: Yes
  • Parking Features: Deeded, Driveway

Utilities

  • Utilities: Cable Available, Electricity Connected, Fire Hydrant, Phone Available, Sewer Connected, Water Connected
  • Cooling: Mini-Split Unit(s)
  • Heating: Electric, Other, Solar
  • Laundry Features: In Garage
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Association: No
  • Senior Community: No
  • Association 2 YN: 0
  • Pet Restrictions: All restrictions to be verified by Buyer through City/County.
  • Condo Land Included YN: 0

Fee Information

  • Total Annual Fees: 0.00
  • Total Monthly Fees: 0.00

Schools

  • Elementary School: Ozona Elementary-PN
  • High School: Palm Harbor Univ High-PN
  • Middle Or Junior School: Palm Harbor Middle-PN

Lot Info

  • Zoning: R-3
  • Parcel Number: 35-27-15-79434-000-0170
  • Additional Parcels: No
  • Fencing: Chain Link, Vinyl, Wood
  • Lot Features: Cul-De-Sac, Flood Insurance Required, In County, Landscaped, Near Golf Course, Near Marina, Near Public Transit, Paved, Unincorporated
  • Lot Dimensions: 83 x 105
  • Property Attached Yn: Yes
  • Flood Zone Code: AE

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Yes
  • Lease Restrictions YN: 0
  • Additional Lease Restrictions: All restrictions to be verified by Buyer through City/County.

Tax Info

  • Tax Annual Amount: 5079.74
  • Tax Block: 001
  • Tax Book Number: 46-39
  • Tax Lot: 17

Multi Family

  • Waterfront Features: Canal - Saltwater

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Feb 2, 2026
Closed on
Apr 21, 2026
Sold by
Belaire Kimberly and Petrovich David M
Bought by
Kane Christopher and Kane Charla Beth
Seller's Agent
Tanner Tillung
EXP REALTY LLC
Buyer's Agent
Linda Caruso
KELLER WILLIAMS REALTY- PALM H
List Price
$1,100,000
Sold Price
$910,000
Premium/Discount to List
-$190,000
-17.27%
Views
69

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-94.09%
Original Mortgage
$728,000
Outstanding Balance
$728,000
Interest Rate
6.11%
Mortgage Type
New Conventional
Estimated Equity
$84,671

Purchase Details

Closed on
Dec 1, 2009
Sold by
Nuttall Kevin E and Nuttall Linda
Bought by
Petrovich David M and Belaire Kimberly A

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$40,500
Interest Rate
5.01%
Mortgage Type
Credit Line Revolving

Purchase Details

Closed on
Mar 23, 2005
Sold by
Austin Eileen K
Bought by
Nuttall Kevin E and Nuttall Linda

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$400,000
Interest Rate
5.5%
Mortgage Type
Purchase Money Mortgage

Purchase Details

Closed on
May 21, 1997
Sold by
Eileen K Austin Suc Tr
Bought by
Austin Eileen K
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $910,000 Homelight Title Llc
Warranty Deed $405,000 Attorney
Warranty Deed $525,000 --
Quit Claim Deed -- --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $728,000 New Conventional
Previous Owner $40,500 Credit Line Revolving
Previous Owner $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: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
04/22/2026 04/22/26 Sold $910,000 -3.2% $486 / 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
Source: Stellar MLS

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
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: TB8458017

Stellar MLS

APN: 35-27-15-79434-000-0170

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