1283 N OSPREY POINT UNIT 172, CRYSTAL RIVER, FL, 34429
Active136 days on marketListed Mar 18, 2026MLS #TB8487737
About this home
1283 N OSPREY POINT UNIT 172
This Is THE Real Florida! Direct Gulf access and your own private boat pilings to build the most amazing boat dock to fit your watercraft. Beautifully remodeled throughout has this place fresher than your catch of the day. Looking to make a little extra cash? This unit allows 3 month rentals, so we welcome all investors too! The exclusive Islands of Dixie Shore condos, is nestled up to the 30,000-acre Crystal River Preserve where dolphins and manatees splash in your backyard. No fixed bridges here, just smooth sailing straight to the Gulf in the refreshing, salty breeze, making you feel like you are on vacation everyday! This beautifully updated 1-bedroom, 1-bath, poolside home offers the perfect blend of modern upgrades, functional comfort, and laid back lifestyle appeal, all within a well established tropical setting. From the scenic drive to the moment you arrive, the presence is all natural Florida beauty. Before entering, you will notice this cutie is highlighted by a new durable metal roof (2022) and beautiful natural landscape. Step inside to discover a bright, open interior enhanced by continuous luxury plank flooring that flows seamlessly throughout the home, creating both visual cohesion and everyday durability. For buyers who appreciate vintage charm, check out the furnishings, it could be yours - turnkey! Everything's negotiable! The renovated kitchen, features stone countertops, updated cabinetry, new appliances, and prep space that opens naturally into the main living and dining areas. Whether hosting friends or enjoying a quiet evening in, the layout supports both entertaining and peaceful living. The full bathroom has been tastefully remodeled with matching stone surfaces and modern finishes, delivering a clean, move-in-ready feel. Fresh interior paint, enhances the natural light and adds to the home’s polished presentation. Peace of mind comes from a series of significant system upgrades, including new plumbing and electrical components. Thanks to the comprehensive insurance coverage (FLOOD INSURANCE IS FULLY COVERED WITH YOUR CONDO FEE FOR THIS UNIT)! One of the home’s standout lifestyle features is the sunroom, offering flexible space for a second living area, dining nook, playroom, or home office. It opens to a rear patio overlooking the tranquil pond and fountain, ideal for outdoor lounging, grilling, or simply enjoying Florida’s year round sunshine. Plus, the community comes with a clubhouse, tennis courts (pickleball court coming soon), and a heated pool (year round swim vibes). The association fee covers cable, internet, full flood insurance, maintenance... basically, you just bring the sunscreen, fishing poles, boat and good vibes. This is your must see, must buy now, Florida dream. The best deal in the community! Don't let this treasure pass you by!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
900
Sqft
0.02 ac
Lot size
1973
Year built
One
Levels
$143
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 and the real association fee — not generic estimates.
$1,997 /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
$1,997/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.
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
$143 vs $219
Days on market
136 vs 65 typical
Where $143/sqft sits among the 142 Crystal River actives
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 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
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)
71 of 142
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 48% below the CRYSTAL RIVER 34429 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 1283 N OSPREY POINT UNIT 172
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$90,000
1229 N EGRET POINT UNIT 1229 · same community
2 bd · 2 ba · 1,296 sqft · $69/sqft · 78 DOM
Sold · May ’26$210,000
11586 W BAYSHORE DRIVE UNIT 14 · same community
2 bd · 2 ba · 1,584 sqft · $133/sqft · 86 DOM
Sold · Jun ’26$190,000
11550 W BAYSHORE DRIVE UNIT 20 · same community
2 bd · 2 ba · 1,584 sqft · $120/sqft · 194 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 1283 N OSPREY POINT UNIT 172 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1283 N OSPREY POINT UNIT 172 — 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
1283 N OSPREY POINT UNIT 172 FAQs
What would the monthly payment be for 1283 N OSPREY POINT UNIT 172?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,997/mo — principal and interest, the actual property-tax bill, the $987/mo association fee 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.
How much are the HOA fees at 1283 N OSPREY POINT UNIT 172?+
The association fee works out to $987 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1283 N OSPREY POINT UNIT 172?+
The most recent tax bill on record (2025) was $407. 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 1283 N OSPREY POINT UNIT 172?+
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 $129,000, this home is listed about 60% 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 1283 N OSPREY POINT UNIT 172?+
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
Four things that matter here
01Under the CRYSTAL RIVER 34429 market on paper
$129,000 is 48% below the CRYSTAL RIVER 34429 median of $249,950, and at $143/sqft it sits under the Crystal River average of $259.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $987/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
136 days on market against a Crystal River median of 65 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Michele Jones. MLS #TB8487737.
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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