70 days on market Single Family Residence
$1,425,000
5-Bedroom Pool Home in POINT SEASIDE PH 1

897 POINT SEASIDE DRIVE, CRYSTAL BEACH, FL 34681

Single Family Residence in POINT SEASIDE PH 1, CRYSTAL BEACH · No CDD
POINT SEASIDE PH 1 · CRYSTAL BEACH, FL 34681 · Pinellas
Listing data updated July 23, 2026 · refreshed twice daily
5Bedrooms
3.5Bathrooms
3,589Sq Ft
2002Year Built
$397Per Sq Ft
Private pool6-car garageNo CDDFEMA Zone X5 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$397 here vs $397 median sold (12 mo)
Buyer leverage
Buyer advantage
70 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$5k–$10k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • No CDD assessment on record
  • Built 2002 · 24 yrs
  • 3,589 sq ft of living area
  • 6-car garage
  • 70 days on market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 2002BuiltPer public record
  • Jul 10, 2026First trackedObserved at $1,425,000
  • NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Financing

Estimated monthly payment

$9,131/mo
  • Principal & interest $7,221/mo 79%
  • Taxes $1,247/mo 14%
  • Insurance $614/mo 7%
  • HOA $50/mo 1%

$9,131/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

57/100
Strongest on: Flood safety (95), Insurance cost (70)
0 limited50100 exceptional

57/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area50
This home $397/sq ft vs the community 12-month median $397/sq ft.
Affordability50
List price $1,425,000 vs the community median $1,425,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost70
From FEMA Zone X and a 2002 build. Obtain a property-specific quote.
Renovation upside27
From a 2002 build and $397/sq ft vs the community median $397/sq ft. Not a condition assessment.
Buyer competition50
50% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $397 per square foot, about in line with the community’s $397 median. ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM’s 12-month median sold price per square foot is $397. Confidence: Low · 1 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

46% of homes in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM are owner-occupied. An estimated 54% are non-owner-occupied, including 20% held in a company or trust and 22% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 583 homes matched. Community-level context.

What’s unique here: one of only 5292 active listings in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

CRYSTAL BEACH LIVING AT ITS FINEST – A PRIVATE, ELEVATED COASTAL RETREAT. Tucked within the exclusive Point Seaside enclave of Crystal Beach – home to just 49 residences – this exceptional property offers a rare level of privacy, character, and luxury. Positioned just minutes from the Crystal Beach Pier and Live Oak Park, you’re immersed in a setting where breathtaking sunsets and a vibrant coastal lifestyle converge – complete with community events, waterfront gatherings, and the unmistakable charm of Old Florida.

Perfectly situated to feel worlds away, yet minutes from the energy of downtown Palm Harbor, Honeymoon Island, and the Pinellas Trail connecting Dunedin to Tarpon Springs, this golf-cart-friendly community offers a lifestyle defined by simplicity, beauty, and connection. Days here are spent on the water, along scenic shoreline paths, or unwinding beneath glowing Gulf Coast skies. Spanning approximately 3,600 square feet, this 5-bedroom, 3.5-bath Key West-style residence with high-end finishes throughout is designed for both refined living and effortless entertaining.

Soaring 10-foot ceilings and thoughtfully curated updates create a home that feels both elevated and inviting. At its heart, a fully reimagined chef’s kitchen serves as a true focal point - featuring an expansive island with quartz countertops, striking tile flooring, Café stainless steel appliances and a double oven setup – seamlessly flowing into the main living areas for a natural, open-concept experience. The spacious primary bedroom on the top floor features a walk-in closet with a California Closet system, two additional built-in closets, and an spa inspired en-suite bathroom with a separate soaking tub and shower.

Outdoors, a private sanctuary awaits. A spacious covered balcony overlooks a lush nature preserve, offering a sense of seclusion rarely found in coastal communities. Below, the fully fenced backyard is a tropical retreat, complete with a pebble-tec pool, ambient landscape lighting, and a newly installed heater for year-round enjoyment.

A front-facing balcony provides the perfect vantage point for evening sea breezes and the vibrant sunsets that define life on Florida’s Gulf Coast. A truly rare offering, the expansive 6-vehicle garage accommodates 5 cars plus a golf cart with ease, complemented by showroom-quality epoxy flooring and a dedicated 240V circuit for electric vehicle charging – ideal for collectors and enthusiasts alike. Elevated construction enhances both presence and peace of mind, with transferable flood insurance currently under $550 annually – and exceptional advantage for waterfront living.

Additional enhancements include a 2022 Owens Corning roof system with lifetime shingles and storm guard underlayment, further reinforcing the home’s quality and longevity. Whether hosting under the stars, enjoying quiet mornings overlooking preserved land, or setting out for an evening along the water, this residence captures the essence of Crystal Beach living at its most refined. And the cherry on top?

Crystal Beach is zoned for the most coveted schools in the area, including Ozona Elementary and Palm Harbor University! This isn’t just a home – it’s a lifestyle. And opportunities like this to own a piece of paradise in Crystal Beach don’t come around often.

Description provided by REALTY ONE GROUP BEYOND and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$1,425,000
Bed / bath5 / 3.5
Living area3,589 sq ft
Year built2002
Property typeSingle Family Residence
Garage6-car
PoolYes
MLS #TB8503147
Listing status70 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyPinellas
Area listings5292 active · 1411 under contract
Estimated first-year tax~$14,963/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$397
Estimated monthly payment$9,131
Insurance (illustrative)$5k–$10k/yr
Comparable-sales median$1,425,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of REALTY ONE GROUP BEYOND · Listing agent: Chris Ziebell · 727-900-7174Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$1,252,561the mess$1,597,105

Actual list price: $1,425,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 28% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • 5171 active listings competing, 1343 under contract

For reference, this home is listed at $1,425,000 ($397/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 3,589 sq ft × $349–$445/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.

Keep looking

Similar homes for sale near POINT SEASIDE PH 1

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $1,425,000Momentum Realty · on market 70 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$14,963/yr

A rough first-year estimate only, applying a typical Pinellas rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$5k–$10k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Market data · public records

Recent sales activity in POINT SEASIDE PH 1

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the POINT SEASIDE PH 1 neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$1,425,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$397

Canonical 12-month median $/sq ft. Reference only.

Go deeper on POINT SEASIDE PH 1

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

GRADEA
Ozona Elementary-PNAssigned elementary school · Pinellas County School District · Grade A (Florida DOE 2025-26)
GRADEA
Palm Harbor Middle-PNAssigned middle school · Pinellas County School District · Grade A (Florida DOE 2025-26)
Palm Harbor Univ High-PNAssigned high school · Pinellas County School District
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$6,531 – $9,500/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$2,802 – −$130At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: July 23, 2026)
Community market statsrealMLS closed sales, as of July 15, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 897 POINT SEASIDE DRIVE in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.