
764 NE 13TH STREET, CRYSTAL RIVER, FL, 34428
Active101 days on marketListed Apr 23, 2026MLS #W7885064
About this home
764 NE 13TH STREET
Virtually Staged. Charming farmhouse-style home on a corner lot with a metal roof, inviting front porch, and a spacious backyard complete with a greenhouse, large matching shed, and mature trees--perfectly located just steps from Crystal River High School. This 3-bedroom, 2-bath home offers a flexible layout, unique character, and a one-car garage with workshop for added functionality. From the moment you arrive, the home's red exterior, stone accent wall, and covered front porch create a welcoming first impression, offering the perfect spot for a table and chairs to enjoy the outdoors. A glass-paneled front storm door allows you to let in natural light while keeping the interior cool and comfortable. Inside, the living room features plush, well-maintained carpeting, a built-in bookcase, and a large front-facing window that brings in natural light. A high wall cutout near the ceiling connects visually to the kitchen, adding architectural interest while maintaining privacy between spaces. The dining area sits just beyond and features sliding glass doors that open to the rear patio, creating an easy indoor-outdoor flow. The kitchen offers decorative linoleum flooring, a mix of white upper cabinetry and coordinating lower cabinets, and a double sink positioned beneath a window overlooking the backyard. A combination of stone and tile backsplash adds texture and charm to the space. Just off the dining area, a large flex room provides so many options-currently used as an office, it features wood-paneled walls, multiple windows, matching carpet, and even a second refrigerator that conveys. The primary suite includes terrazzo flooring, multiple windows, a walk-in closet, and an ensuite bathroom with a step-in shower and single vanity. Two additional bedrooms also feature terrazzo floors, built-in closets, and natural light, while the guest bathroom showcases vintage charm with retro pink tile, a coordinating sink, a tub/shower combo with sliding glass doors, and a unique folding mirror. Additional highlights include an interior laundry room with the water heater and electrical panel, a security system, and a one-car garage equipped with built-in shelving and a dedicated workshop area. Step outside to enjoy the backyard, where you'll find a patio for relaxing or entertaining, a greenhouse for gardening enthusiasts, and a large storage shed that matches the home. A chain-link fence lines the rear of the property, and the corner lot provides added space and privacy. With its character, functionality, and unbeatable location just across the street to Crystal River High School, this home offers both convenience and charm.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,625
Sqft
0.23 ac
Lot size
1
Garage
1965
Year built
One
Levels
$117
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.
$1,434 /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
$1,434/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.
vs edgeAI estimate
−31.6%
$/sqft vs Crystal River actives
$117 vs $219
Days on market
101 vs 65 typical
Where $117/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 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 → $235K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
69 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 2% 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 764 NE 13TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$115,000
738 NE 12TH TERRACE · same community
3 bd · 2 ba · 1,206 sqft · $95/sqft · 58 DOM
Sold · May ’26$245,000
9740 W CRANBERRY STREET
3 bd · 2 ba · 1,639 sqft · $149/sqft · 22 DOM
Sold · May ’26$220,000
1103 SE 3RD STREET
3 bd · 2 ba · 1,596 sqft · $138/sqft · 154 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 764 NE 13TH STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 764 NE 13TH STREET — 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
764 NE 13TH STREET FAQs
What would the monthly payment be for 764 NE 13TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,434/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 764 NE 13TH STREET?+
The most recent tax bill on record (2025) was $856. 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 764 NE 13TH STREET?+
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 $190,000, this home is listed about 41% 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 764 NE 13TH STREET?+
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 RE/MAX MARKETING SPECIALISTS · Ross Hardy. MLS #W7885064.
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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