Annette (Toni) Chrystal

Associate Real Estate Broker

Photo of Annette (Toni) Chrystal

Annette (Toni) Chrystal
Associate Real Estate Broker

At a glance

My Communities
White Plains, Hartsdale, Harrison, Scarsdale, Larchmont, Mamaroneck, Tarrytown

Real Estate Subject Matter Expert, Accredited Buyer Representative (ABR), Excellent Communicator and Expert Negotiator, Tech Savvy Agent, Knowledge and Experience

Lives In

26 Years

Married with 2 grown boys

About me

Toni and Terri formed the “Twin Team” over 20 years ago, a partnership merging their individual skills and work experience. Toni and Terri have both embraced real estate as their full-time profession and serve as their clients’ real estate advisors on a daily basis. Identical twin sisters and business partners “The Twin Team @ Houlihan Lawrence provide a unique real estate experience with different personalities, which makes for a difference in opinion, yet they work to achieve the same goals. Within minutes of meeting them, you'll feel confident knowing you are working with a competent experienced hard working team. Continually honing in on their real estate and technology skills with ongoing programs and strategies that keep them up-to-date in the marketplace. In 2018, Terri’s daughter Michelle joined their team. Michelle is a mom to three daughters and a 4-year-old son. She brings a youthful perspective to the team and has quickly... More

Professional Awards & Achievements

Houlihan Lawrence consistent award winner year after year.  Recipient Entrepreneur of the Year 2012, Women's Council of Realtors Empire-Westchester Chapter, Consistent Platinum, Gold and Silver Team Winner at my local real estate board.  I am a past member of a 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. As the Director of Training at Houlihan Lawrence I work with new and seasoned agents on learning how to use... More

Professional Associations & Designations

Licensed Associate Real Estate Broker White Plains Branch Office,  Accredited Buyer Representative (ABR).  Certified NYS CE Instructor, Member of the HGAR Faculty,  Past 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 Served... More

Community Involvement

President of the White Plains High School Alumni Association.  My goal with the association is to bring as many new alumni into the group by using social media. 

Personal Interests

When I am not working, my passion is cooking and entertaining at our Vermont Bed & Breakfast with our family and friends.  I enjoy mindful eating and mindful fitness.  Active with many different sports including Skiing, and Biking.  I am passionate about spinning, and Pilates belong to Lifetime Gym in Harrison, faithfully spinning 3 days a week.


Real Estate Expertise





NYS Approved to instruct Real Estate and continuing education courses.   I am a learning- based agent and continue to participate in advanced Real Estate courses in order to remain in the forefront of the industry.  Accredited Buyer’s Representatives  (ABR®) stand for the benchmark of excellence in buyer representation. What’s their key to success? They know that you can't count on the market—you have to count on your skills. ABR® education provides the expertise you need for an edge in... More

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Toni Chrystal did an outstanding job selling my home.  Her market analysis was spot on, along with her simple recommendations to prepare the home for sale.  Toni has a knack for taking a complicated process and making it much simpler.  She was great at identifying the right clients to view our home and we had multiple offers in just two days.  My only regret, is that I don't have another home to sell with Toni!


Training Review

Dear Toni, I am taking this opportunity to write to let you know how grateful I am for the New Agent Training you organized.  I found your presentations to be filled with valuable information and wonderful tips and suggestions.  As a brand new agent, I am somewhat overwhelmed by the knowledge necessary to acquire, if one hopes to be knowledgable in the field of real estate. One indispensable bit of advice you shared was your frequent reminder to the class to "remain calm".  You did this is such a light, yet reassuring way, that your philosophy is definitely helping me to tackle one educational experience at a time, rather than become frantic to learn everything all at once.

I enjoyed and benefitted from the classes you provided.  I look forward to taking more classes with you.  

Seth S.

- April 6, 2020

"Stress free and amazing experience. Sold my home in less than a month and for above asking. Highly knowledgeable and extremely responsive. Would never work with anyone else."

Margaret and John
114 Beverly Rd, White Plains, NY 10605

Toni stood by us for years, finally getting us a buyer for our own home and getting my family into our dream home, in the neighborhood we wanted to be in. She was incredibly patient and available to us whenever we needed an answer. Paula G,.

Paula G

"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


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

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 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,

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