3781 N HIAWATHA TERRACE, CRYSTAL RIVER, FL, 34428
Active123 days on marketListed Apr 8, 2026MLS #L4960718
About this home
3781 N HIAWATHA TERRACE
One or more photo(s) has been virtually staged. Amazing New Lower Price!!! Welcome to 3781 N Hiawatha Terrace, an updated Florida retreat in the heart of Crystal River! Perfectly positioned near the beautiful waterways that make this area so desirable, this move-in-ready home offers the ideal blend of comfort, style, and location. Step inside to discover 1,568 square feet of thoughtfully updated living space, where luxury vinyl plank flooring flows seamlessly throughout. The heart of the home—the kitchen—has been tastefully upgraded with solid surface countertops, modern cabinetry, and sleek stainless-steel appliances, creating a space that is as functional as it is inviting. New ceiling fans and contemporary light fixtures add a fresh, modern touch throughout. This home features three spacious bedrooms, two beautifully updated bathrooms, and a versatile bonus room—perfect for a home office, playroom, or additional living space to suit your needs. An indoor laundry room adds convenience to everyday living. Situated on an oversized lot, the outdoor space offers endless opportunities for entertaining, relaxing, or even storing your toys—perfect for enjoying the Florida lifestyle. Located just moments from the waterways and inlet to the renowned Crystal River, you’ll have easy access to boating, fishing, kayaking, and the natural beauty that makes this area so special. Crystal River is famous for its clear springs, manatee encounters, and laid-back coastal charm, making it a sought-after destination for both full-time residents and vacation homeowners alike. Don’t miss your opportunity to own a beautifully updated home in one of Florida’s most beloved waterfront communities—schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,568
Sqft
0.23 ac
Lot size
1973
Year built
One
Levels
$131
Per sqft
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.
$1,622 /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
$1,622/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−46.3%
$/sqft vs Crystal River actives
$131 vs $213
Days on market
123 vs 53 typical
Where $131/sqft sits among the 149 Crystal River actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Crystal River
Get to know Crystal River. See the full Crystal River guide →
CRYSTAL RIVER 34428 — neighborhood snapshot
Population
9,325
Median age
55.4
Median income
$48,185
Median home value
$236,100
Avg household
2.15
Households w/ children
690
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 → $325K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
74 of 149
Crystal River actives have cut their price
Median sold price, Crystal River, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% above the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 3781 N HIAWATHA TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$620,000
1950 NW 19TH STREET
2 bd · 2 ba · 1,575 sqft · $394/sqft · 212 DOM
Sold · Jun ’26$709,000
2571 N SENECA POINT
3 bd · 3 ba · 1,554 sqft · $456/sqft · 86 DOM
Sold · May ’26$400,000
2542 N REGATTA POINT
3 bd · 2 ba · 1,584 sqft · $253/sqft · 326 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 3781 N HIAWATHA TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3781 N HIAWATHA TERRACE — 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
3781 N HIAWATHA TERRACE FAQs
What would the monthly payment be for 3781 N HIAWATHA TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,622/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 3781 N HIAWATHA TERRACE?+
The most recent tax bill on record (2025) was $1,970. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3781 N HIAWATHA TERRACE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Crystal River?+
At $205,000, this home is listed about 34% below the Crystal River median of $309,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3781 N HIAWATHA TERRACE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Jason Stone. MLS #L4960718.
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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