Annette (Toni) Chrystal

Associate Real Estate Broker

Photo of Annette (Toni) Chrystal

Annette (Toni) Chrystal
Associate Real Estate Broker

Toni and Terri identicial twin sisters bring years of real estate experience market knowledge and today's technology to the table. Growing up in White Plains they are your local experts and advocates. Being aligned with the #1 company in the area Houlihan Lawrence make for a win win partnership. Let the twins and Houlihan Lawrence take you from the Consultation Table to the Closing Table. Contact Toni at 914-673-1640 or Terri at 914-391-9277.
I have local expertise regional affiliations global connections and a powerful customized marketing program at Houlihan Lawrence. This is a winning combination when I market your property to the world. In addition my affiliation with Leading Real Estate Companies of the World further enhances my ability to network on a worldwide basis with the premier real estate firms .
Skilled with computer technology and I use today's fast paced on-line marketing to communicate with buyers and sellers. Toni is completely digital and mobile and takes advantage of today's technology for well over 20 years.

At a glance

My Communities
White Plains, Harrison, Valhalla, Hartsdale, Purchase, Rye, Scarsdale, Greenburgh, New Rochelle, Mamaroneck

Real Estate Subject Matter Expert, Accredited Buyer Rep.,Working with Buyers, Working with Sellers, Tech Savvy Agent, Knowledge and Experience

Lives In

21 Years

Properties Sold

About me

Hello and welcome to Westchester County.  Thank you for visiting my agent website.  Growing up and living in Westchester I would like to share with you some information which illustrate why White Plains and the surrounding areas are some of the best places to live in the North East.  Whether visiting for the day or weekend with family and friends, or exploring Westchester with the dream of relocating; we can help you find your next home.  You may recognize us Toni Chrystal  and Terri Crozier as part of the "Twin Team". We are identical twin sisters, and business partners. We have different personalities, which makes for a difference in opinion, yet we work to achieve the same goal; which is to educate and consult our buyer and seller clients so they can make the most informed and educated decisions. When we work with you our goal is to assist our seller clients with getting their house ready for a... More

Professional Awards & Achievements

Houlihan Lawrence consistent award winner.  Recipient Entrepreneur of the Year 2012, Women's Council of Realtors Empire-Westchester Chapter Consistent Platinum, Gold and Silver Award Team Winner WPAR Toastmaster Local Club - Humorous Speech Contest Winner E- Pro Agent, Proficient in Computer Technology and Communication Centurion Award Winner from Prior Company 12 Years consecutive.

Professional Associations & Designations

Recently appointed to the Board of Directors of the White Plains High School Alumni Association.  Licensed Associate Real Estate Broker White Plains Branch Office,  President, Women's Council of Realtors, Westchester Chapter 2009-2010 Member Hudson Gateway Multiple Listing Service (MLS) Member, Hudson Gateway Association of Realtors, HGAR Member, New York State Association of Realtors (NYSAR) Member, National Association of Realtors (NAR) Served on Governing Board as Secretary for EAMLS 2007-2008 Served as Zone 4 Director WPMLS 2000 - 2010... More

Personal Interests

When I am not working, my passion is cooking and entertaining at our Vermont Bed & Breakfast with our family and friends.    

Real Estate Expertise

I am a full time Real Estate Professional consulting and educating clients and agents on current market conditions and trends. Proficient with communication using today's technology tools. I am energetic, experienced, dedicated, have the highest level of integrity, and commitment describe my attributes. I am a real estate subject matter expert and work and train new agents that enter the business of selling real estate.  My passion is helping ne and seasoned agents to realize their potential by motivating and... More


NYS Approved to instruct RE and continuing education courses. Accredited Buyer Representative (ABR). Toni is a learning based agent and continues to participate in advanced RE courses in order to remain in the forefront of the industry.

Houlihan Lawrence App for Smart Phones and Tablets

HOME SEARCH REINVENTED ALL OF THE CUTTING EDGE INNOVATIONS IN ONE APP Available on the App Store or Google Play Find Homes for Sale and Open Houses through your phone's GPS Utilize "Augumented Reality", and let your camera define your search map to easily discover nearby homes on the market. Explore property photos in a single swipe.     More

Community Involvement

Toni serves on the Board of the White Plains High School Alumni Association.  Her goal with the association is to bring as many new alumni into the group by using social media. 


"Toni is a phenomenal agent, with a thorough, deep knowledge of Westchester cities and towns and the willingness to really hustle on behalf of her clients. She is also the right kind of person to work with -- friendly, trustworthy and totally up on technology. As a trainer for new real estate agents in her firm--the most prominent real estate firm in Westchester--Toni enjoys repeated business as a valued partner to her clients."  Diane


Buyer/Seller Testimonial

Toni made the entire process easy and seamless. She was patient with us (we were looking at houses for 3 years) and understood our needs so was able to weed out homes that weren't right for us. In the end, she found us our perfect home and managed the purchase process (as well as the sale of our previous home) professionally and expeditiously. We couldn't ask for anything more in an agent and have referred her to family - she's now helping my sister purchase a new home in White Plains. Best agent ever!  Bob G

Toni is fantastic. She's kind, knowledgeable, patient, and always willing to accommodate. She has my highest recommendation - you can be confident that Toni will get you the best results possible! Kurt

Kurt - May 13, 2015

We hired Toni to sell our home. She worked with us to set the house up for presentation, prepared the marketing materials and advised well on how to achieve the best price for current market conditions. While market conditions do change, we are sure that Toni's expertise is always current and used to serve her clients well. We would hire her again if the situation presents itself.  Tom and Shannon

Tom and Shannon

Toni is an outstanding realtor. She is an expert in her field, and she establishes and maintains a rapport with her clients that is both professional and warm. I would only consider hiring Toni as my realtor and would never hesitate to recommend her to my friends and colleagues as well.


Buyer and Seller Testimonial

Toni is experienced and well connected in the industry. She makes a point of striving to achieve the desired result for her clients. Mark and Rosemary

Toni has been our family's personal real estate agent for many years. She helped me make the transition from city life in Manhattan to Westchester, and helped me to secure two residences over the years. Toni is discreet, trustworthy, knowledgeable and a dedicated professional. You will love working with her. Kaye Arnzen

Kay Arnzen

I highly recommend Toni to anyone looking for real estate in the Westchester area.

Toni is able to understand what you need/want in a house and bring you opportunities in the market. She presents options that help you refine what you are looking for in a house and the options that you may not have thought about. Her knowledge of the listings available and communities saves you time and money in looking for the right house.

Toni has helped me and my family to find our homes over the past years. I recommend her to any of my friends who are interested in moving into the Westchester area.

Timothy Clear
White Plains,

Educational Coordinator

Toni Chrystal is one of the nicest and most knowledgable training coordinaters that I have ever seen. She is so skilled and patient in every area of training. She knows the whole Houlihan Lawrence system and website and generously shares all of her knowledge and experience with us. She gives everyone personalized attention during her classes. I am very grateful to have Toni Cystal as a mentor and a friend.

Thank You For All That You Do For Us.

Janet Denti

Education Coordinator

One of the many benefits offered by Houlihan Lawrence to their agents is education and training to keep us informed and help our business succeed. Toni Chrystal is the best educator I have had the privilege of learning from. She is clear in her message and takes the time with all levels of students to make sure they understand the subject matter. I look forward to more training with Toni.

Abby Carrie

We met Toni at an open house over 2 years ago. During our house hunt, Toni has been very patient and accommodating working around our schedule at all times. The reason we finally decided to work with Toni is her professionalism and lack of pushiness when we saw houses we obviously had no interest in purchasing. The e-mail updates she sent us were very accurately narrowed down to the type, style, and location of homes we were interested in. When it came down to making an offer on Topland, Toni was available 24/7 and was very honest, speedy and informative throughout the entire process. We will recommend her at any opportunity.

Robbie and Alana