14101 W ST MARTINS ROAD, CRYSTAL RIVER, FL, 34429
Active491 days on marketListed Mar 20, 2025MLS #A4644818
About this home
14101 W ST MARTINS ROAD
SELLER FINANCING AVAILABLE*NO CREDIT CHECK*WATERFRONT PARADISE AWAITS YOU*DISCOVER THE ULTIMATE WATERFRONT HAVEN WITH OVER 1,000 FEET OF PRISTINE WATERFRONT OFFERING STUNNING SUNSETS AND THE SERENITY OF WILDLIFE. THIS 1.61-ACRE GEM IS WATERFRONT ON 3 SIDES*NESTLED IN THE TRANQUIL OZELLO KEYS, PROVIDING UNPARALLELED PRIVACY AND SECLUSION*BUILD YOUR DREAM ESTATE*POSSIBLITIES ARE ENDLESS-SURROUNDING PROPERTIES ARE ESTATE HOMES, A BED & BREAKFAST & AIRBNB/VRBO HOMES*PUBLIC UTILITIES AVAILABLE*ACCESS TO THE GULF OF MEXICO, ON BLACK CREEK IS FRESH WATER, LEADING TO SAINT MARTINS RIVER, HOMOSASSA BAY OR UP THE INTERCOASTAL WATERWAY TO CRYSTAL RIVER NATURAL FRESHWATER SPRINGS & ESTUARY-KINGS BAY-FORT ISLAND BEACH-HUNTER SPRINGS-THREE SISTERS SPRINGS WITH CRYSTAL CLEAR WATERS TO SWIM WITH THE MANATEES*LOT HAS 200’ ROAD FRONTAGE*NO HOA*LIVE THE SALT LIFE ON FLORIDA’S NATURE COAST*SURROUNDED BY OVER 25,000 ACRES OF AQUATIC PRESERVE TO EXPLORE, A NATURE LOVERS DREAM*OZELLO KEYS IS A GOLF CART FRIENDLY AREA FEATURES OZELLO COMMUNITY PARK, WITH SANDY BEACH & BOAT RAMP, POPULAR RESTAURANTS-BACKWATER FINS, ISLAND OUTPOST BAR/GRILL & THE FAMOUS PECK'S OLD PORT COVE SEAFOOD RESTAURANT*MINUTES AWAY TO LOCAL RESTAURANTS/DOWNTOWN SHOPPING/ENTERTAINMENT/LOCAL AIRPORT*OZELLE KEYS ARE A STRING OF ISLANDS-INLETS-PENINSULAS THAT OFFER PRIVACY AND SECLUSION WITH OPTIMAL WATER LIFE INCLUDING YEAR-ROUND FISHING, KAYAKING, DOLPHIN-WATCHING & THE BEST BIRD WATCHING*ONLY 1 HOUR TO TAMPA INTERNATIONAL AIRPORT, 2 HOURS TO ORLANDO INTERNATIONAL AIRPORT*OWNER/BROKER
Facts & features
The home at a glance
1.69 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,154 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,154/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Crystal River
Get to know Crystal River. See the full Crystal River guide →
CRYSTAL RIVER 34429 — neighborhood snapshot
Population
9,494
Median age
63.7
Median income
$57,716
Median home value
$220,300
Avg household
2.14
Households w/ children
490
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Crystal River market
$315K → $235K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
Median sold price, Crystal River, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% above the CRYSTAL RIVER 34429 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 14101 W ST MARTINS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$80,000
13562 W BROOKVIEW LANE
1 bd · 1 ba · 272 sqft · $294/sqft · 42 DOM
Sold · Dec ’25$300,000
14271 W SAINT MARTINS ROAD
3 bd · 1 ba · 864 sqft · $347/sqft · 4 DOM
Sold · May ’26$159,999
2221 S WATERMAN DRIVE
2 bd · 1 ba · 896 sqft · $179/sqft · 18 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 14101 W ST MARTINS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14101 W ST MARTINS ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
14101 W ST MARTINS ROAD FAQs
What would the monthly payment be for 14101 W ST MARTINS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,154/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 14101 W ST MARTINS ROAD?+
The most recent tax bill on record (2024) was $1,152. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Crystal River?+
At $299,900, this home is listed about 7% below the Crystal River median of $322,450. The market section on this page shows how the area is trending.
Which schools are assigned to 14101 W ST MARTINS ROAD?+
Crystal River Middle School (middle), Crystal River High School (high), Crystal River Primary School (elementary) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$299,900 runs 13% above the CRYSTAL RIVER 34429 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
491 days on market against a Crystal River median of 65 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $499,900, now $299,900 — a $200K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of INVESTY REALTY, LLC. · Amy Stanley. MLS #A4644818.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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