11640 W INDIAN CIRCLE, CRYSTAL RIVER, FL, 34428
Active54 days on marketListed Jun 11, 2026MLS #TB8518449
About this home
11640 W INDIAN CIRCLE
Discover the perfect blend of privacy, nature, and convenience with this beautiful 0.68-acre homesite in the desirable Indian Woods community of Crystal River, Florida. With plenty of space to build your dream home, this property offers a peaceful setting surrounded by Florida's natural beauty while remaining close to shopping, dining, and everyday conveniences. Outdoor enthusiasts will love being just minutes from world-famous Three Sisters Springs, where crystal-clear waters and manatee viewing attract visitors from around the globe. Enjoy nearby boating, fishing, kayaking, paddleboarding, and waterfront dining along Kings Bay. You're also a short drive from Fort Island Gulf Beach, local parks, golf courses, and the charming shops and restaurants of historic downtown Crystal River. Whether you're looking to build now or invest for the future, this oversized lot offers an incredible opportunity in one of Florida's most sought-after Nature Coast communities.
Facts & features
The home at a glance
0.68 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.
$289 /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
$289/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 91% 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 11640 W INDIAN CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$339,000
8505 TOCOI PATH · same community
3 bd · 2 ba · 1,400 sqft · $242/sqft · 26 DOM
Sold · Feb ’26$325,000
8411 TOCOI PATH · same community
3 bd · 2 ba · 1,509 sqft · $215/sqft · 0 DOM
Sold · Aug ’25$305,000
8504 N CAMPBELL ROAD · same community
3 bd · 2 ba · 2,382 sqft · $128/sqft · 44 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 11640 W INDIAN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11640 W INDIAN CIRCLE — 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
11640 W INDIAN CIRCLE FAQs
What would the monthly payment be for 11640 W INDIAN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $289/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 11640 W INDIAN CIRCLE?+
The most recent tax bill on record (2025) was $216. 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 $17,500, this home is listed about 94% below the Crystal River median of $314,950. The market section on this page shows how the area is trending.
Which schools are assigned to 11640 W INDIAN CIRCLE?+
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 TOP BROKERAGE, LLC · Tony Giglio. MLS #TB8518449.
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 11640 W INDIAN CIRCLE 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 →