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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.
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Our Executive Mortgage Banker:
Our Insurance Division:
$1,200,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
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.