3389 Crystal CT E #D, photo 1
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Overview

2 bd1 ba860 sqftCondominium
TypeCondominium
HOA$340.6/mo
Built1985
Living area860 sqft
Price / sqft$233

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About this home

Ceiling Fans(s)Kitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanStone CountersWindow TreatmentsBalconyLighting

3389 Crystal CT E #D is a 1985-built home in Crystal Lake Condo, Palm Harbor. Inside you'll find 2 bedrooms, 1 bathrooms, and 860 square feet of living space. Listed at $200,000 (about $233/sqft), 9 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $340.6 monthly.

From the listing

You will feel at home from the moment you enter the community. The 1st floor 2 bedroom/1 bath has been tastefully updated throughout. The flooring was updated late 2024 with water proof wood-like vinyl planks which run through the main living area and kitchen. Kitchen has newer granite counter tops,subway tile backsplash and stainless steel appliances including a brand new dishwasher that was put in a few weeks ago and a new microwave that is just a few months old. There is an indoor walk-in laundry closet with a new (2026) full size washer along with a dryer and a pantry shelf's. Both bedrooms are spacious and each have their own walk in closet for plenty of storage. The bathroom has newer tile flooring and a tub/shower combo. This unit also offers a private screened lanai that has been updated with pavers. Screened lanai also offers a personal storage closet. The AC is 2022 and hot water heater 2020. Water, Sewer and Trash are included in monthly HOA dues. Crystal Lake is an all age community and walking distance to East Lake YMCA which has pickle ball, tennis, heated pool with lap lanes, exercise classes and a big exercise room with weights, tread mill, and much much more.Crystal Lake is also right here. Great for walking around for exercise or just walking to see and meet the neighbors exercising there dogs or just sitting on a bench and watching the different Florida birds. John Chestnut park is only 6 miles away. East Lake Publix is 0.4 miles away and there a few restaurants in that same shopping center. This is a must see condo so make an appointment today:)

The essentials

Built
1985
Price / sqft
$233
On market
9 days
Annual tax
$2,559
HOA
$340.6/mo
Flood zone
X* · Low risk
Type
Condominium

At a glance

Condo
Built 1985
Private balcony
Outdoor space
860 sqft
Living area

Payment

Est. monthly payment
$1,697/mo
Down payment (20%)
$40,000
Property taxes
$213/mo
HOA
$340.6/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1985
Lot
-
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
9
Ceiling Fans(s)
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Stone Counters
Window Treatments
Balcony
Lighting
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Cypress Woods Elementary-PN
Middle
Tarpon Springs Middle-PN
High
East Lake High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X*
Annual Tax (2025)
$2,559
Parcel #
33-27-16-19999-389-0040

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Crystal Lake Condo
County
Pinellas
MLS Area
34685 - Palm Harbor
Paved
HOA
$340.6/mo
Matt Morgan

Price history

Date
Event
Price
10/8/2026
Listed for sale
Source: Stellar MLS #TB8555376
$200,000
$233/sqft

Neighborhood

3389 Crystal CT E #D
Palm Harbor, FL, 34685 · 34685 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $200,000
$197,500 – $200,000
98.5% – 100% of listTops out right at the list price
80% of listList price
9 of the last 17 condo closings in 34685 landed at this number or higher (53%). The median one sat 32 days before it went under contract, and this one is on day 9.

Sample: 17 closed condo sales in 34685 over the last 8 months, Stellar MLS. A small sample in a thin market. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,697/mo
Principal & interest$1,043
Property taxes$213
Insurance$100
HOA$341
Down payment20% · $40,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$200,000

$233 per sq ft

Beds and baths

2 beds, 1 baths

Size

860 sq ft

Time on market

9 days

Year built

1985

Monthly payment

About $1,697/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,559 annual tax bill, insurance, and the $340.6/mo HOA fee.

HOA fee

$340.6/mo

Managed by Matt Morgan.

Flood zone

Zone X*

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byLIPPLY REAL ESTATEListing agent: Diane CugliettaListing data from Stellar MLS, MLS# TB8555376.

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