5260 S MYSTIC POINT, HOMOSASSA, FL, 34448
Active318 days on marketListed Sep 19, 2025MLS #OM709889
About this home
5260 S MYSTIC POINT
Just 1 hour from Tampa via Suncoast Parkway, this rare main river waterfront home offers direct Gulf access! Check out the video tour link. BRAND NEW ROOF AND AC 2024!! *The main living area has NEVER FLOODED. Picturesque Florida coastal property!! A wide ramp allows ease of arriving at the front door without needing stairs or an elevator / lift. Experience waterfront luxury at its finest in this stunning Homosassa Riverfront home. Nestled in the exclusive Riverhaven Village at the end of a private cul-de-sac, this residence boasts over 290 feet of waterfront, offering unparalleled open water views. As you step through the front door, a breathtaking panorama unfolds before you, capturing the essence of tranquility with a seamless blend of windows, water, and nature. The property features a meticulously landscaped deck with a fire pit, perfect for entertaining or enjoying quiet evenings by the water. Additional enhancements include deck and dock lighting that illuminate the surroundings, creating a magical ambiance. A walk-around dock on the Lagoon side enhances the allure of this exceptional home, providing even more opportunities to soak in the captivating waterfront scenery. Inside, the interior is a masterpiece of design, featuring an open floor plan and a unique cupola room with vaulted ceilings. The wood-burning stone fireplace adds warmth and character to the space. The custom kitchen is a chef's dream, equipped with hickory wood cabinets, quartz countertops, and stainless steel appliances. A spacious sitting/family room provides a comfortable retreat to enjoy the water views, while a grand dining room sets the stage for memorable gatherings. The bedroom layout is thoughtfully designed, with three bedrooms and a bathroom on one side of the home, ensuring privacy for all residents. The primary bedroom, located on the opposite side, offers a walk-down shower, a walk-in closet, and elegant wood floors. The expansive laundry room and mudroom provide practical convenience, leading to a generously sized garage capable of accommodating four cars or all your recreational toys. Outdoors, composite wood decks abound, providing the perfect vantage point to relish the waterfront lifestyle. The impressive dock boasts three boat lifts, including 16,000 lb, 6,000 lb, and a jet ski or small boat lift. Crafted with composite decking, the dock features water and electric connections, making it a haven for boating enthusiasts. Riverhaven Village residents enjoy access to The Club, a vibrant community hub offering an Olympic-size heated pool ideal for laps, water aerobics, or simply relaxing poolside. Active lifestyles are supported with three tennis courts (two lighted) and four pickleball courts, as well as a fenced playground and a dedicated dog park. Inside, the clubhouse features a newly updated full kitchen, library, big screen TV, pool tables, ping-pong, and shuffleboard. Social activities abound with groups for Mahjong, Bridge, exercise classes, Bingo, and Poker, and the clubhouse is also available for private member events. This Homosassa Riverfront home is a rare gem, offering a lifestyle of luxury, serenity, and endless waterfront adventures. Call today and come see your waterfront dream home! OWNER FINANCING AVAILABLE!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
3,139
Sqft
0.37 ac
Lot size
2
Garage
1985
Year built
One
Levels
$476
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 and the real association fee — not generic estimates.
$10,132 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$10,132/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Homosassa actives
$476 vs $175
Days on market
318 vs 54 typical
Where $476/sqft sits among the 219 Homosassa 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 Homosassa
Get to know Homosassa. See the full Homosassa guide →
HOMOSASSA 34448 — neighborhood snapshot
Population
10,741
Median age
56
Median income
$47,526
Median home value
$166,000
Avg household
2.28
Households w/ children
866
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Homosassa market
$314K → $303K
Homosassa median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
107 of 219
Homosassa actives have cut their price
Median sold price, Homosassa, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 536% above the HOMOSASSA 34448 median. See the full Homosassa market guide →
Paper trail
This home's history
Reality check
What actually sold near 5260 S MYSTIC POINT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$873,000
11664 W CLAYTON DRIVE
3 bd · 3.5 ba · 3,236 sqft · $270/sqft · 101 DOM
Sold · Apr ’26$725,000
11950 W WATERWAY DRIVE
3 bd · 2 ba · 3,017 sqft · $240/sqft · 133 DOM
Sold · Jul ’26$1,360,000
11905 W RIVERHAVEN DRIVE
3 bd · 4 ba · 2,936 sqft · $463/sqft · 12 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 5260 S MYSTIC POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5260 S MYSTIC POINT — 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
5260 S MYSTIC POINT FAQs
What would the monthly payment be for 5260 S MYSTIC POINT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,132/mo — principal and interest, the actual property-tax bill, the $16/mo association fee 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.
How much are the HOA fees at 5260 S MYSTIC POINT?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5260 S MYSTIC POINT?+
The most recent tax bill on record (2024) was $15,937. 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 5260 S MYSTIC POINT?+
The listing reports pets: 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 Homosassa?+
At $1,495,000, this home is listed about 328% above the Homosassa median of $349,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5260 S MYSTIC POINT?+
Rock Crusher Elementary School (elementary), Crystal River Middle School (middle), Crystal River High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,495,000 runs 536% above the HOMOSASSA 34448 median — but at 3,139 sqft it's also 61% larger than the typical Homosassa listing.
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
318 days on market against a Homosassa median of 54 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of MAIN STREET REALTY & DEVELOP · Tiffani Loughlin. MLS #OM709889.
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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