12792 W BALTIC IVY STREET, CRYSTAL RIVER, FL, 34428
Active11 days on marketListed Jul 24, 2026MLS #OM729159
About this home
12792 W BALTIC IVY STREET
Welcome to 12792 W. Baltic Ivy Street in beautiful Crystal River! This exceptional 1.16-acre homesite offers the perfect combination of privacy, space, and natural beauty, making it an ideal setting to build the home you've always envisioned. Whether you're planning your forever home, a peaceful weekend retreat, or looking to invest in Florida's thriving Nature Coast, this property provides endless possibilities. With no HOA restrictions, you'll have the freedom to design your dream home, build a large workshop, park your RV or boat, and bring all your recreational toys. Enjoy the tranquility of country living while remaining just minutes from Crystal River's world-renowned freshwater springs, shopping, dining, golf courses, boating, and fishing. Outdoor enthusiasts will appreciate the convenient access to nearby boat ramps, the Withlacoochee River, Rainbow River, and the Crystal River—home to the world-famous manatees. If you've been searching for the perfect blend of peaceful surroundings, outdoor recreation, and everyday convenience, this is the property you've been waiting for!
Facts & features
The home at a glance
1.16 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.
$430 /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
$430/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 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 → $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 79% below the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 12792 W BALTIC IVY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$235,000
10022 N TWINFLOWER TERRACE · same community
2 bd · 2 ba · 1,078 sqft · $218/sqft · 36 DOM
Sold · Dec ’25$320,000
12739 W FLAXEN DRIVE · same community
3 bd · 2 ba · 1,613 sqft · $198/sqft · 140 DOM
Sold · Mar ’26$400,000
12988 W BALTIC IVY STREET · same community
4 bd · 2 ba · 1,811 sqft · $221/sqft · 40 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 12792 W BALTIC IVY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12792 W BALTIC IVY 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
12792 W BALTIC IVY STREET FAQs
What would the monthly payment be for 12792 W BALTIC IVY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $430/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 12792 W BALTIC IVY STREET?+
The most recent tax bill on record (2025) was $244. 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 $39,500, this home is listed about 88% below the Crystal River median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12792 W BALTIC IVY 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.
Keep looking
Similar homes nearby
Listing courtesy of REMAX REALTY ONE · David Ivory. MLS #OM729159.
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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