3625 N SUWANNEE POINT, CRYSTAL RIVER, FL, 34428
Active64 days on marketListed May 20, 2026MLS #OM725111
About this home
3625 N SUWANNEE POINT
Experience Gulf Coast lifestyle in this elevated custom waterfront home offering deep water, direct Gulf access—perfect for boating enthusiasts and nature lovers alike. With 4 spacious bedrooms and 3 full baths, this home is designed for both comfort and flexibility. The three-story layout includes covered parking for 2 vehicles and an expansive lower-level area with a tackle room complete with ice machine hookups and extra storage, plus a huge space ideal for a workshop, hobby area, or even conversion into additional indoor/outdoor space. A sturdy dumbwaiter makes it easy to transport groceries or gear upstairs. On the main floor, you’ll find a welcoming living space with custom built-ins and an inviting screened porch overlooking the water—perfect for relaxing and entertaining. The primary suite features an electric fireplace and large ensuite. All bedrooms are generously sized, offering plenty of room for family and guests. The fenced backyard is a true Florida retreat, complete with mature fruit trees, a ground-level deck, firepit, and hammock area. Boaters will love the 75 feet of dock space with room for two large boats, a rip-rap concrete seawall, floating dock with water and 30-amp power, a fish-cleaning station, and easy access to a nearby boat ramp. Currently operating as a successful short-term rental, this home also offers the opportunity to continue as an income-producing property—all contents are negotiable for a turnkey setup. Best of all, there are no deed restrictions, giving you the freedom to use it however you choose.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,530
Sqft
0.25 ac
Lot size
2
Garage
2002
Year built
Three Or More
Levels
$350
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.
$6,240 /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
$6,240/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.
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 → $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 343% above the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →
Paper trail
This home's history
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 3625 N SUWANNEE POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3625 N SUWANNEE 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
3625 N SUWANNEE POINT FAQs
What would the monthly payment be for 3625 N SUWANNEE POINT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,240/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 3625 N SUWANNEE POINT?+
The most recent tax bill on record (2025) was $11,677. 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 3625 N SUWANNEE POINT?+
The listing reports pets: Dogs OK. 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 $885,000, this home is listed about 174% 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 3625 N SUWANNEE POINT?+
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
01Positioned at the premium end
$885,000 runs 343% above the CRYSTAL RIVER 34428 median — but at 2,530 sqft it's also 60% larger than 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.
03The price has already moved
Listed at $895,000, now $885,000 — a $10K cut. The full history is in the market section below.
Listing courtesy of REMAX REALTY ONE · Nathan Barnes. MLS #OM725111.
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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