Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

HomeJam
Search Homes

List Price

$200,000

3389 Crystal Unit D, Palm Harbor, FL 34685

33 days on market

Estimated Payment

$1,819/mo

20% down and current market rates

Bedrooms2 bdBathrooms1 baLiving area860 Square FeetYear builtBuilt 1985

Listed by

Diane Cuglietta

LIPPLY REAL ESTATE

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

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.

3389 Crystal Unit D, Palm Harbor, FL 34685 in Palm Harbor, FL 34685 is listed for $200,000. The home has 2 bedrooms, 1 bathroom, and 860 square feet, and was built in 1985. Listed 33 days ago. The listing is held by LIPPLY REAL ESTATE.

34685 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$2,559 (tax year 2025)
HOA fee$357 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $40,000

$

$1,819/moest.

  • Principal & Interest 59%
  • Property Taxes 12%
  • Insurance 9%
  • HOA 20%
Principal & Interest
$1,082
Property Taxesfrom listing
$213
Insurance
$167
HOA
$357

30-year fixed at 7.164%, as of November 10, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

Need a mortgage?

Get connected with a loan officer without sending your information to a marketplace of lenders.

One request. One follow-up.

No barrage of calls or emails.

You Might Also Like

2700 Nebraska Unit 2-205, Palm Harbor, FL 34684

$219,900

2700 Nebraska Unit 2-205, Palm Harbor, FL 34684

2 bd · 2 ba · 1,000 sq ft

938 Virginia Unit 204, Dunedin, FL 34698

$199,900

938 Virginia Unit 204, Dunedin, FL 34698

2 bd · 2 ba · 965 sq ft

2591 Countryside Unit 5106, Clearwater, FL 33761

$199,999

2591 Countryside Unit 5106, Clearwater, FL 33761

2 bd · 2 ba · 955 sq ft

3165 Landmark Unit 724, Clearwater, FL 33761

$225,000

3165 Landmark Unit 724, Clearwater, FL 33761

1 bd · 1 ba · 850 sq ft

Frequently Asked Questions

The estimated monthly payment is $1,819, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,559 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR813332040. HomeJam is not the listing broker.

List Price

$200,000

We use cookies and similar tools to remember how you found us, keep a session identifier, and understand which property pages you view. You can accept this use or decline optional tracking. See our privacy notice.