David Ramirez
$1,130,000$1,200,0004 bd3 ba2,802 sqft$403 /sqft$7,391 /mo all-in ↓

11580 W DIXIE SHORES DRIVE, CRYSTAL RIVER, FL, 34429

Active61 days on marketListed Jun 2, 2026MLS #OM725713

Reduced $70KWaterfrontSingle Family ResidenceWALKER UNREC

About this home

11580 W DIXIE SHORES DRIVE

LIVE LIKE YOU OWN A PRIVATE ISLAND—WITHOUT EVER LEAVING THE MAINLAND Some waterfront homes have a view. Others have a dock. This extraordinary Crystal River estate offers something almost impossible to find—it places you in the middle of the water, wrapped by 628 feet of shoreline on three sides, creating the feeling of your own private island while remaining conveniently connected to the mainland. Once you experience it, you'll understand why properties like this rarely become available. Before you schedule your showing, take the immersive 360° virtual tour and walk through every room, step onto the dock, and experience the waterfront lifestyle from anywhere in the world. Nestled on 1.53 beautifully landscaped acres, this completely renovated mid-century home blends timeless Florida charm with modern luxury. Travertine marble flooring flows throughout the home, complemented by rich hardwood interior doors and a wood-burning fireplace that creates a warm, inviting atmosphere. Every major improvement has already been completed, allowing you to simply move in and enjoy. • Dual-zoned Trane HVAC systems (2022 & 2024) • Roof replaced in 2012 • Brand-new GE kitchen appliances (2025) • New washer and dryer (2025) Outside, the property becomes your own private nature preserve. Dolphins frequently swim past the dock. Manatees drift through the crystal-clear water. Sandhill cranes stroll across the grounds while majestic oaks and palms provide beauty and privacy in every direction. The private dock features a 10,000-pound boat lift with Kevlar-wrapped pilings completed in 2026, making it easy to leave for a day of fishing, scalloping, island hopping, or an unforgettable sunset cruise into the Gulf. Here, the Gulf isn't minutes away—it begins in your backyard. For buyers seeking investment potential, this property has already proven itself. The current owner successfully operated it as a VRBO vacation rental for three years, generating approximately $350 per night, offering an excellent opportunity to continue as a luxury vacation rental, private retreat, or both. Even more valuable are two opportunities that are becoming increasingly difficult to find: A transferable flood insurance at approximately $2,000 annually Seller financing available for qualified buyers These advantages alone could save a future owner thousands of dollars while creating financing flexibility that is rarely offered in today's market. Crystal River remains one of Florida's last authentic waterfront communities, celebrated for its crystal-clear springs, world-famous manatees, exceptional fishing, boating, kayaking, and relaxed Old Florida charm. Buyers from across the country are discovering what locals have known for years—this is one of Florida's hidden coastal treasures. You can always renovate another house. You can build another dock. You can even buy another waterfront home. But finding 628 feet of waterfront wrapped around 1.53 acres with direct Gulf access is an opportunity that may not come along again. Schedule your private showing today and discover why this is far more than a home—it's a legacy waterfront property.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,802

Sqft

1.53 ac

Lot size

2

Garage

1975

Year built

One

Levels

$403

Per sqft

WaterfrontFireplacePets allowed

Inside

FlooringTravertine
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Refrigerator · Washer
InteriorCeiling Fan(s) · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesEast
ExteriorLighting · Outdoor Grill · Private Mailbox · Rain Gutters

Community & fees

Taxes (2025)$8,519/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Fiber Optics · Public · Street Lights · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$7,391 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,097
PMI (est., until 20% equity)$424
Property tax — 2025 actual bill$710
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $113,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $113,000
Interest rate6.00%
Loan term

Estimated payment

$7,391/mo

Principal & interest$6,097
PMI (est., until 20% equity)$424
Property taxes (actual bill)$710
Est. insurance$160

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

$403 vs $215

Days on market

61 vs 65 typical

Where $403/sqft sits among the 141 Crystal River actives

57
36
18
11 · this home
6
13
$111–185$185–260$260–334$334–409$409–483$483+

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

Map of 11580 W DIXIE SHORES DRIVE

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

MiddleCrystal River Middle School★★★★
HighCrystal River High School★★★★★
ElementaryCrystal River Primary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Crystal River market

Seller’s marketLeans buyer8.3 months of inventoryBuyer’s market

$315K$235K

Crystal River median sold, yr/yr

93.8%

Sale-to-list ratio (12 mo)

70 of 141

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 352% above the CRYSTAL RIVER 34429 median. See the full Crystal River market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,130,000 $70K
Jun 2, 2026Listed at $1,200,000 · 61 days on market since
1975Built · WALKER UNREC

Reality check

What actually sold near 11580 W DIXIE SHORES DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2235 N KINGS COVE POINTSold · Jul ’26

$1,600,000

2235 N KINGS COVE POINT

3 bd · 2.5 ba · 3,101 sqft · $516/sqft · 131 DOM

11982 W BAYSHORE DRIVESold · Mar ’26

$542,500

11982 W BAYSHORE DRIVE

4 bd · 3 ba · 3,286 sqft · $165/sqft · 90 DOM

11291 W CORAL COURTSold · Apr ’26

$308,000

11291 W CORAL COURT

3 bd · 2 ba · 2,099 sqft · $147/sqft · 30 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 11580 W DIXIE SHORES DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11580 W DIXIE SHORES DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

11580 W DIXIE SHORES DRIVE FAQs

What would the monthly payment be for 11580 W DIXIE SHORES DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,391/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 11580 W DIXIE SHORES DRIVE?+

The most recent tax bill on record (2025) was $8,519. 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 11580 W DIXIE SHORES DRIVE?+

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 Crystal River?+

At $1,130,000, this home is listed about 250% 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 11580 W DIXIE SHORES DRIVE?+

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

$1,130,000 runs 352% above the CRYSTAL RIVER 34429 median — but at 2,802 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.

03The price has already moved

Listed at $1,200,000, now $1,130,000 — a $70K cut. The full history is in the market section below.

Listing courtesy of THE KEYES COMPANY · Ann-Marie Bortz. MLS #OM725713.

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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