322 ONTARIO AVENUE, Crystal Beach, FL, 34681 | $1,200,000

Tucked away in one of the most charming coastal pockets of Pinellas County, 322 Ontario Avenue delivers the kind of Florida living most only dream about. With vibrant Key West-inspired curb appeal, three thoughtfully designed levels, and zoning that allows short-term rentals, this is more than just a home—it’s a lifestyle and an opportunity.

Built in 2018 and meticulously maintained, this 4-bedroom, 2. 5-bath home welcomes you with an airy, elevated feel from the moment you walk in. On the ground level, a massive 900+ square foot garage offers more than just parking—it’s the perfect space for paddleboards, bikes, golf carts, or even a workshop or home gym. Step out back and you’ll find a wide 34-foot covered lanai ready for sunset cocktails, weekend grilling, or lazy afternoons with a book and a breeze.

The second floor unfolds into a bright and open main living space with soaring ceilings, impact-rated windows, and the kind of flow that makes entertaining effortless. The kitchen features 42” wood cabinets, a center island, and an easy connection to the dining and living areas. Whether you’re cooking for two or ten, this space brings everyone together. The primary suite is tucked just off the main area and includes a spacious walk-in closet, dual vanity, and large tiled shower—offering privacy and comfort all on one level.

The top floor offers three more bedrooms, a full bath, and a unique guest suite with private balcony access—ideal for visitors, family, or creating your own personal escape. With separate space across all three levels, this home easily supports multigenerational living, remote work, or flexible rental setups.

Located just steps from the water, the Pinellas Trail, and some of the best sunsets on the Gulf Coast, you’ll love the laid-back Crystal Beach vibe—where locals cruise on golf carts, there's no HOA, and life moves just a little slower. Zoned R-4, this home is short-term rental ready, giving you the rare freedom to use it as a full-time residence, vacation retreat, or income-producing property right away.

Opportunities like this are rare in Crystal Beach—newer construction, prime zoning, no HOA, and serious lifestyle appeal. If you're looking for something that checks every box, look no further. This is your place in the sun.

Features

  • Rooms: 7
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Lot Size: 50 x 124
  • Laundry: Inside, Laundry Room
  • Style: Custom, Key West
  • Year Built: 2018
  • Garage: 2-car Driveway, Garage Door Opener, Golf Cart Garage
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,163
  • Acreage: 0.14
  • Lot Size: 50 x 124
  • Est. Taxes: $75
  • HOA Fee: $35 Annually
  • Lot Desc: Cul-De-Sac, Flood Insurance Required, In County, Near Golf Course, Near Marina, Near Public Transit, Unincorporated
  • View: Pool
  • Elem. School: Ozona Elementary-PN
  • Middle School: Palm Harbor Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Pool: Gunite, In Ground, Lighting, Pool Alarm, Salt Water
  • Pet Policy: Yes
  • Appliances: Convection Oven, Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener
  • MLS#: TB8374351
  • Days on Market: 6 days
  • Website: https://www.raveis.com
    /eprop/TB8374351/322ontarioavenue_crystalbeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/8/2025 10:32:14 AM)
Listing courtesy of EXP REALTY LLC   Phone: 888-883-8509

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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322 ONTARIO AVENUE, Crystal Beach, FL, 34681

$1,200,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $960,000 $960,000 $960,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.625% 6.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.861% 6.727% 6.560%
Monthly Tax Payment $6 $6 $6
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,833 $6,147 $8,297
Total Monthly Payment $5,964 $6,278 $8,428

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.