603 INDIANA AVENUE, CRYSTAL BEACH, FL, 34681
Active3 days on marketListed Oct 9, 2026MLS #TB8550651
About this home
603 INDIANA AVENUE
Welcome to the charm of Crystal Beach! This 2-bedroom, 2-bath concrete block home sits on a corner lot in the heart of Crystal Beach’s original street grid—a community known for its waterfront lifestyle, history, and small-town charm. Inside, the home is move-in ready and offers plenty of opportunity to make it your own. The kitchen has been refreshed with new cabinets, countertops, and stainless-steel appliances, while fresh paint and new luxury vinyl flooring throughout create a clean, inviting feel. Crown molding and ceiling fans add character, and the bonus room with its own kitchenette provides flexible space for guests, a home office, hobby room, or whatever suits your lifestyle. Built in 1949, the home retains the character that makes Crystal Beach special, including a durable metal roof. Important updates include a recently replaced HVAC system and electrical panel, giving you added peace of mind. And then there’s the lifestyle! The waterfront community park is just three blocks away, where you can enjoy beautiful sunsets over St. Joseph Sound and access the community pier. The Pinellas Trail runs right through Crystal Beach, making it easy to bike to Tarpon Springs or Palm Harbor. Cruise around town by golf cart, stop by the central post office where neighbors gather, and enjoy the relaxed atmosphere that makes this community so desirable. If you’re looking for a home with character, updates, and the laid-back waterfront lifestyle of Old Florida, Crystal Beach may be exactly where you belong.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,214
Sqft
0.14 ac
Lot size
1949
Year built
One
Levels
$313
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.
$2,576 /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
$2,576/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
+1.2%
$/sqft vs Crystal Beach actives
$313 vs $390
Days on market
3 vs 125 typical
Where $313/sqft sits among the 23 Crystal Beach actives
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 — neighborhood snapshot
Population
1,092
Median age
55
Median income
$77,834
Median home value
$135,982
Avg household
2
Households w/ children
70%
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 → $450K
Crystal Beach median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
20 of 23
Crystal Beach actives have cut their price
Median sold price, Crystal Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% 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 603 INDIANA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$405,000
1300 14TH STREET
3 bd · 2 ba · 1,153 sqft · $351/sqft · 0 DOM
Sold · Feb ’26$540,000
608 BETMOR LANE
3 bd · 2 ba · 1,148 sqft · $470/sqft · 249 DOM
Sold · Dec ’25$315,000
553 JEFFERSON STREET
2 bd · 2 ba · 1,296 sqft · $243/sqft · 112 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 603 INDIANA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 603 INDIANA AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
603 INDIANA AVENUE FAQs
What would the monthly payment be for 603 INDIANA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,576/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 603 INDIANA AVENUE?+
The most recent tax bill on record (2025) was $134. 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 603 INDIANA 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 $379,900, this home is listed about 50% below the Crystal Beach median of $759,950. The market section on this page shows how the area is trending.
Which schools are assigned to 603 INDIANA 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
01Under the CRYSTAL BEACH 34681 market on paper
$379,900 is 48% below the CRYSTAL BEACH 34681 median of $725,000, and at $313/sqft it sits under the Crystal Beach average of $410.
02Fresh on the market
Only 3 days on market in a Crystal Beach market that averages 125 — if it fits, move quickly.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTEC GROUP INC · Ed Karlander. MLS #TB8550651.
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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