838 SW KINGS BAY DRIVE, CRYSTAL RIVER, FL, 34429
Active23 days on marketListed Jul 14, 2026MLS #TB8529231
About this home
838 SW KINGS BAY DRIVE
Welcome to waterfront living on one of Crystal River's most sought-after streets—Kings Bay Drive! Built in 2021 and offering over 2,400 square feet of thoughtfully designed living space, this exceptional home captures breathtaking panoramic views of Kings Bay while blending luxury, comfort, and the laid-back Nature Coast lifestyle. Designed to maximize both space and scenery, the flexible floor plan offers four bedrooms or three bedrooms plus a versatile flex room to fit your needs. High ceilings, oversized doors, elegant tray ceilings, and walls of windows fill the home with natural light, while French-style sliding glass doors seamlessly connect the living area to the expansive lanai, sparkling pool, and incredible waterfront backdrop. The spacious primary suite is a true retreat, featuring direct access to the pool and patio, dual walk-in closets, separate vanities, a jetted soaking tub, and an oversized walk-in shower. A second private primary suite with its own pool access provides the perfect setup for guests or multi-generational living. Storage is abundant throughout the home, including two oversized pantries and ample closet space. Outside, the paver driveway, walkways, and pool deck create beautiful curb appeal while extending the home's elegant finishes outdoors. Built high and dry, this property offers peace of mind along with an unbeatable location in Crystal River's popular golf cart community. Spend your days boating to waterfront restaurants, festivals, and local attractions, or explore the crystal-clear waters of Kings Spring, Hunter Springs, and the world-famous Three Sisters Springs—all just minutes away. Surrounded by abundant wildlife and stunning waterfront views, this is more than a home—it's the Florida lifestyle you've been dreaming of.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,428
Sqft
0.28 ac
Lot size
2
Garage
2021
Year built
One
Levels
$1,388
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 — not generic estimates.
$20,301 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$20,301/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
$1,388 vs $213
Days on market
23 vs 49 typical
Where $1,388/sqft sits among the 139 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 → $325K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
74 of 139
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 1248% above the CRYSTAL RIVER 34429 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 838 SW KINGS BAY DRIVE
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$350,000
496 N AFTERGLOW CIRCLE
3 bd · 2.5 ba · 2,436 sqft · $144/sqft · 66 DOM
Sold · Dec ’25$2,200,000
1242 N CIRCLE DRIVE
3 bd · 2 ba · 2,339 sqft · $941/sqft · 35 DOM
Sold · Jan ’26$1,049,900
105 SE 2ND PLACE
3 bd · 2.5 ba · 2,540 sqft · $413/sqft · 21 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 838 SW KINGS BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 838 SW KINGS BAY 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
838 SW KINGS BAY DRIVE FAQs
What would the monthly payment be for 838 SW KINGS BAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,301/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 838 SW KINGS BAY DRIVE?+
The most recent tax bill on record (2025) was $8,384. 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 $3,369,000, this home is listed about 1023% above the Crystal River median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 838 SW KINGS BAY 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.
Keep looking
Similar homes nearby
Listing courtesy of PLANTATION REALTY, INC. · Lisa VanDeBoe. MLS #TB8529231.
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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