1348 S ESTUARY DRIVE, CRYSTAL RIVER, FL, 34429
Active21 days on marketListed Jul 5, 2026MLS #TB8525859
About this home
1348 S ESTUARY DRIVE
Don't miss this super rare opportunity to own your own waterfront property on the famous island of Ozello. Ozello is a quiet, "Old Florida" island community located just west of Crystal River in Citrus County. It is known for its twisting 9-mile scenic drive along the nature preserve called the Ozello Trail. It's known for its premier backcountry fishing, bird watching and kayaking through dense mangroves, waterfront seafood dining, and its rich history as a former "school boat" settlement where the children used to take a boat to school (featured in Ripleys believe it or not). Ozello is over 50% nature preserve with less than 500 full time residents on the island. This amazing property has over 183 feet of frontage along the river and it is already connected with water, septic and electricity. This is an amazing opportunity for anyone who loves to fish or kayak to have a home right on the river with gulf access.
Facts & features
The home at a glance
0.9 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.
$1,834 /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
$1,834/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 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)
Median sold price, Crystal River, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% 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 1348 S ESTUARY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$80,000
13562 W BROOKVIEW LANE
1 bd · 1 ba · 272 sqft · $294/sqft · 42 DOM
Sold · Dec ’25$300,000
14271 W SAINT MARTINS ROAD
3 bd · 1 ba · 864 sqft · $347/sqft · 4 DOM
Sold · May ’26$159,999
2221 S WATERMAN DRIVE
2 bd · 1 ba · 896 sqft · $179/sqft · 18 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 1348 S ESTUARY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1348 S ESTUARY DRIVE — 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
1348 S ESTUARY DRIVE FAQs
What would the monthly payment be for 1348 S ESTUARY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,834/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 1348 S ESTUARY DRIVE?+
The most recent tax bill on record (2025) was $1,107. 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 1348 S ESTUARY DRIVE?+
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 $249,900, this home is listed about 22% 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 1348 S ESTUARY 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.
The brief
Three things that matter here
01Under the CRYSTAL RIVER 34429 market on paper
$249,900 is 4% below the CRYSTAL RIVER 34429 median of $259,900.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $299,900, now $249,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY · Steven Maulucci. MLS #TB8525859.
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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