171 SW 3RD STREET, CRYSTAL RIVER, FL, 34429
Active142 days on marketListed Mar 4, 2026MLS #OM720063
About this home
171 SW 3RD STREET
See Realtor Remarks: Located on the coveted spring-fed headwaters of Crystal River within Kings Bay, home to more than 70 natural springs and world-famous manatee habitat — this waterfront residence sits in 72-degree, crystal-clear waters ideal for year-round boating, diving, paddle sports, and direct Gulf of America access. Offering 5 bedrooms, 2 bathrooms, and 3,709 square feet of enclosed living space, this home has endured decades of coastal weather with NO FLOODING and was built for resilience. Constructed to withstand severe conditions, in 2024 this home was upgraded with 200-mph impact-rated windows and doors, and it delivers both presence and protection. A commanding double-door entry opens into a dramatic interior defined by cathedral ceilings, polished marble and tile flooring, and a 30-foot family room showcasing expansive frame panoramic views of the cove waters frequented by dolphins and manatees throughout the year. The master bedroom overlooks the water and has a luxurious bathroom featuring a wet room with a freestanding tub and deluxe shower head with shower jets designed for a spa-like experience. Additional upgrades include high end Café kitchen appliances, 2 stainless steel cold flow AC units in 2010 and 2012, a gas water heater, generator hookup, RV hookup and the concrete tile roof that has been sealed and recoated to give it many years left of duration. Other features include a full wet bar, bay views and an exterior hardscape that will allow you to escape on your own private sand turfed yard with gazebo, 112 foot of sea wall, private floating dock and easy access to local springs and the gulf. Minutes from the vibrant Downtown Crystal River Entertainment District, this home offers the rare ability to enjoy protected waterfront living while remaining close to waterfront dining, live music, seasonal festivals, and marina access. Whether arriving by boat, golf cart or short walk, the energy of downtown is just moments away blending private cove tranquility with coastal town convenience. This is not just another address, this is a destination you could call your coastal paradise in Florida's Nature coast!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
3,709
Sqft
0.35 ac
Lot size
2
Garage
1983
Year built
One
Levels
$506
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.
$11,462 /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
$11,462/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 Crystal River actives
$506 vs $213
Days on market
142 vs 65 typical
Where $506/sqft sits among the 143 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 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)
73 of 143
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 615% 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 171 SW 3RD STREET
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$1,100,000
827 SW KINGS BAY DRIVE
4 bd · 3 ba · 3,529 sqft · $312/sqft · 167 DOM
Sold · Jul ’26$1,600,000
2235 N KINGS COVE POINT
3 bd · 2.5 ba · 3,101 sqft · $516/sqft · 131 DOM
Sold · Jul ’26$285,000
754 NE 2ND AVENUE
4 bd · 3.5 ba · 2,991 sqft · $95/sqft · 115 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 171 SW 3RD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 171 SW 3RD STREET — 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
171 SW 3RD STREET FAQs
What would the monthly payment be for 171 SW 3RD STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,462/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 171 SW 3RD STREET?+
The most recent tax bill on record (2025) was $5,775. 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 $1,875,000, this home is listed about 481% above the Crystal River median of $322,450. The market section on this page shows how the area is trending.
Which schools are assigned to 171 SW 3RD STREET?+
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
$1,875,000 runs 615% above the CRYSTAL RIVER 34429 median — but at 3,709 sqft it's also nearly twice the size of the typical Crystal River 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
142 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 $1,999,000, now $1,875,000 — a $124K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 J.W.MORTON R.E. · Wayne Buhler. MLS #OM720063.
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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