David Ramirez
$3,0004 bd2 ba2,010 sqft$1 /sqft≈$182 /mo all-in ↓

4850 N LADYBUG DRIVE, CRYSTAL RIVER, FL, 34428

Active50 days on marketListed Jun 3, 2026MLS #S5151135

✦ Priced 98% below the CRYSTAL RIVER 34428 medianSingle Family ResidenceGREENWOOD ACRES 1ST ADD

About this home

4850 N LADYBUG DRIVE

Discover your dream home in beautiful Crystal River, Florida. This fully renovated 3-bedroom, 2-bathroom gem features a cozy fireplace, modern finishes, and a serene atmosphere, located on a 3.61 acre lot. Don’t miss the chance to make this tranquil retreat your own. Contact us today for a private tour!. The perfect neighborhood for a family seeking peace and tranquility.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,010

Sqft

3.61 ac

Lot size

1978

Year built

One

Levels

$1

Per sqft

Fireplace

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorNinguno
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

Community & fees

PetsNo

Utilities & systems

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$182 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$18
FHA mortgage insurance (est.)$1
Est. property taxes (1.1%/yr)$3
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $105Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $105
Interest rate6.00%
Loan term

Estimated payment

$182/mo

Principal & interest$18
FHA mortgage insurance (est.)$1
Est. property taxes$3
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Crystal River

Map of 4850 N LADYBUG DRIVE

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

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 buyer — 8.3 months of inventoryBuyer’s 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 98% below the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →

Paper trail

This home's history

Jun 3, 2026Listed at $3,000 · 50 days on market since
1978Built · GREENWOOD ACRES 1ST ADD

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 4850 N LADYBUG DRIVE — start here.

CallText
david.ramirez@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4850 N LADYBUG DRIVE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

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

4850 N LADYBUG DRIVE FAQs

What would the monthly payment be for 4850 N LADYBUG DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $182/mo — principal and interest, estimated property taxes 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.

Are pets allowed at 4850 N LADYBUG DRIVE?+

The listing reports pets: No. 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 $3,000, this home is listed about 99% below the Crystal River median of $322,450. The market section on this page shows how the area is trending.

Which schools are assigned to 4850 N LADYBUG 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.

Listing courtesy of MY REALTY GROUP, LLC. · Paola Millan. MLS #S5151135.

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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