10748 W PINE BARK LANE, CRYSTAL RIVER, FL, 34429
Active151 days on marketListed Feb 24, 2026MLS #OM719473
About this home
10748 W PINE BARK LANE
This Crystal River waterfront property delivers what serious buyers are actively searching for — fast, unobstructed access to the open Gulf with no fixed bridges in your way. From your backyard to open water in minutes, this is true boating freedom. Situated on a generous .40-acre lot, this property offers rare space along with 102 feet of canal frontage, giving you room to build, expand, create outdoor living areas, and design the ultimate coastal retreat. Larger waterfront parcels like this — especially with unrestricted Gulf access — are increasingly hard to find. Cruise directly to Kings Bay, Three Sisters Springs, Hunter Springs Park, and straight out to the Gulf — all without bridge limitations. Spend your days scalloping, fishing, swimming with manatees, paddleboarding the springs, or enjoying effortless sunset runs into open water. This is more than waterfront — it’s access, space, and lifestyle combined in one of Crystal River’s most desirable boating locations. If direct Gulf access is non-negotiable, this is the one.
Facts & features
The home at a glance
0.4 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.
$1,994 /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
$1,994/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 2% 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 10748 W PINE BARK LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$180,000
2331 OLNEY ROAD · same community
3 bd · 1 ba · 1,208 sqft · $149/sqft · 111 DOM
Sold · Oct ’25$235,000
2254 S CRYSTAL LAKE DRIVE · same community
3 bd · 1 ba · 1,381 sqft · $170/sqft · 10 DOM
Sold · Mar ’26$290,000
2309 OLNEY ROAD · same community
3 bd · 1.5 ba · 1,503 sqft · $193/sqft · 16 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 10748 W PINE BARK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10748 W PINE BARK LANE — 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
10748 W PINE BARK LANE FAQs
What would the monthly payment be for 10748 W PINE BARK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,994/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 10748 W PINE BARK LANE?+
The most recent tax bill on record (2025) was $1,880. 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 $265,000, this home is listed about 18% 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 10748 W PINE BARK LANE?+
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 KELLER WILLIAMS CORNERSTONE RE · Douglas Kidd. MLS #OM719473.
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.
Never miss a listing
New Crystal River homes, in your inbox
Like 10748 W PINE BARK LANE but not quite? A daily digest of every new listing in Crystal River — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →