$169,900
105 Schooner Drive
Palm Harbor, FL 34683
Listing updated: May 12, 2026 at 3:05 PM ET
Listing courtesy of Re/Max Elite Realty · Michelle Johncola · MLS #TB8370886 · Active · 727-785-7653Property type
HOA dues
Days on market
Flood zone
About this home
ONE LOT - Beautiful waterfront lot in highly sought after Crystal Bay community - come make your home and begin enjoying all this community has to offer - PLUS beautiful sunsets nightly are free!
Local Insight
This is a manufactured home lot in an established waterfront community, and at under $170k you're getting direct water access—but that AE flood zone designation means mandatory flood insurance that'll run you $1,000+ annually on top of the $200 HOA, so factor that into your true cost of ownership. The real question is whether you're buying this to place a new manufactured home or if you already own one, since the lot alone has limited resale appeal; also verify what the HOA actually covers and whether there are any restrictions on home age or specs, as these communities can be tight on both.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history401 days on market
- Status: ActiveOct 1, 2025
- Listed$199,900Apr 5, 2025
- Price reduced$169,900
Facts & features
- Property type
- Land
- Status
- Active
- Days on market
- 401
- Subdivision
- Crystal Bay M/H Club Inc Unrec
- County
- Pinellas
- Lot size
- 0 sq ft
- Flood zone
- AE (12103C0059H)
- Annual taxes
- $1,968 (2024)
- Parcel #
- 35-27-15-19864-000-1050
- MLS #
- TB8370886
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HOA & Financial
- HOA fee
- $200 / Monthly
- Monthly HOA
- $200/mo
- Total monthly fees
- $200/mo
- Total annual fees
- $2,400
- HOA name
- Crystal Bay
- Listing terms
- Cash
- Ownership
- Other
Exterior & Construction
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Available
Community
- Pets allowed
- Yes
Listing Details
- Listing date
- 2025-04-05
- On market date
- 2025-04-05
- Original list price
- $199,900
- MLS area
- 34683 - Palm Harbor
- Listing AOR
- Suncoast Tampa
- Status changed
- 2025-10-01
- Tax legal description
- CRYSTAL BAY MOBILE HOME CLUB INC (UNRECORDED) LOT 105
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Alt 19 to address
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX 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.
Based on information submitted to the MLS GRID as of May 12, 2026 at 3:05 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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