3945 N TIMUCUA POINT, CRYSTAL RIVER, FL, 34428
Active41 days on marketListed Jun 12, 2026MLS #OM726049
About this home
3945 N TIMUCUA POINT
LIVE THE FLORIDA WATERFRONT LIFESTYLE FULL TIME---OR MAKE IT A VACATION HOME AND VRBO IT PART OF THE TIME!!! SHORT TERM RENTAL ALLOWED. THIS IMMACULATE & WELL APPOINTED WATERFRONT 3/2/2 POOL CRYSTAL RIVER POOL HOME BOASTS OVER 2000 SQ. FT. LIVING AREA! INSIDE HOME DID NOT FLOOD! HOME ABOUNDS WITH BEAUTIFUL FINISHES & PROFESSIONALY REMODELED 2 YEARS AGO, AND IS MOVE IN READY! PERFECT FOR FAMILY GATHERINGS, ENTERTAINING GUESTS, OR QUIET EVENINGS RELAXING! Most rooms overlook the beautiful caged swimming pool with spa (heated), and water view. Close to the dead end of the canal....short boat ride out to the Kings Bay of Crystal River and Gulf for sunset rides & fishing! Spacious Great room overlooks the beautiful views, wood burning fireplace; Fully remodeled kitchen boasts quartz counter tops, glass backsplash, s/s appliances, shaker style wood soft close cabinets and huge breakfast bar! Breakfast nook, Formal Dining; Large sunroom; Grand master bedroom with spacious walk in closet and on suite with jetted tub and separate tile shower; Large Laundry room boasts lots of storage; NEW hot water heater; Seawall, dock and boat lift with metal roof; Home did not flood, only small amount in the garage which is a lower elevation. Home has been used as a vacation home & as a short term rental home for the past 2 years; Located just outside City limits; COME & ENJOY THE COASTAL LIFESTYLE!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,019
Sqft
0.22 ac
Lot size
2
Garage
1985
Year built
One
Levels
$409
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.
$5,618 /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
$5,618/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.
vs edgeAI estimate
+18%
Days on market
41 vs 65 typical
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 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 313% 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 3945 N TIMUCUA POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3945 N TIMUCUA 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
3945 N TIMUCUA POINT FAQs
What would the monthly payment be for 3945 N TIMUCUA POINT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,618/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 3945 N TIMUCUA POINT?+
The most recent tax bill on record (2025) was $8,372. 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 $824,900, this home is listed about 156% 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 3945 N TIMUCUA 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.
Listing courtesy of OCALA MARION COUNTY ASSOCIATION OF REALTORS® INC · Reciprocal Listing OMCAR. MLS #OM726049.
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 3945 N TIMUCUA POINT 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 →