15410 W ST MARTINS ROAD, CRYSTAL RIVER, FL, 34429
Active140 days on marketListed Mar 17, 2026MLS #OM721022
About this home
15410 W ST MARTINS ROAD
This 17+ acre private island in the Suncoast Keys is just a short boat ride from Homosassa Springs and Crystal River. Surrounded by waters famous for scalloping, fishing, and endless boating trails, it has the kind of setting that still feels natural—ready for a fish camp, island retreat, or scalloping-season getaway. Near the 23,000-acre St. Martins Marsh Aquatic Preserve and close to Ozello Keys Marina, public boat ramps, and waterfront restaurants, this is a stretch of coast that still feels like Old Florida, with laid-back boating days and life on the water. A place to create your own tropical getaway and enjoy the quiet sunsets of the Nature Coast. The owner will finance; seller financing is available.
Facts & features
The home at a glance
17.17 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.
$1,424 /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
$1,424/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 → $325K
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 20% below the CRYSTAL RIVER 34429 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 15410 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 15410 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 15410 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
15410 W ST MARTINS ROAD FAQs
What would the monthly payment be for 15410 W ST MARTINS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,424/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 15410 W ST MARTINS ROAD?+
The most recent tax bill on record (2025) was $54. 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 $199,000, this home is listed about 37% below the Crystal River median of $314,950. The market section on this page shows how the area is trending.
Which schools are assigned to 15410 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
Three things that matter here
01Under the CRYSTAL RIVER 34429 market on paper
$199,000 is 20% below the CRYSTAL RIVER 34429 median of $250,000.
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
140 days on market against a Crystal River median of 53 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of WHITETAIL PROPERTIES REAL ESTATE · Vince Phelps. MLS #OM721022.
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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