10928 W FORT ISLAND TRAIL, CRYSTAL RIVER, FL, 34429
Pending103 days on marketListed Apr 24, 2026MLS #W7885131
About this home
10928 W FORT ISLAND TRAIL
This beautifully updated Ranch-style home offers four bedrooms, two bathrooms, and 1,350 square feet of living space on a spacious lot in Crystal River. Ideally located less than 10 minutes from the Gulf of Mexico, downtown, and the world-famous springs, this single-story property is designed for comfort and convenience with a functional floor plan that flows seamlessly from room to room.The home features a bright living room at the entry, a dining area, and a large kitchen equipped with stainless steel appliances, wood cabinetry, and modern countertops, perfect for both everyday use and entertaining. At the center of the home, the family room provides an inviting gathering space with direct access to the screened porch. The primary bedroom includes its own bath, while two additional bedrooms and a second full bath provide flexibility for family, guests, or office use. A dedicated laundry area adds convenience. Wood-look tile flooring runs throughout, combining durability with style.Outside, the screened porch and patio create the perfect setting for outdoor enjoyment. A covered carport, and a storage shed at the rear of the property complete the home. The home features a brand-new AC system with an added attic fan to improve efficiency and help lower utility costs. The AC includes a transferable warranty for peace of mind. A brand-new water heater has also been installed, and the property comes with a transferable Orkin pest control plan with three years remaining. The septic system, installed in 2020, was serviced, pumped, and certified in June, ensuring everything is in excellent working order. The property is bordered on both sides and at the rear by state-owned land that will not be developed, offering privacy and a natural backdrop. With its close proximity to boating, fishing, kayaking, waterfront dining, and all the natural beauty the Nature Coast has to offer, this home presents an excellent opportunity for a primary residence, vacation retreat, or investment property.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,435
Sqft
0.28 ac
Lot size
1966
Year built
One
Levels
$164
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.
$1,859 /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
$1,859/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
$164 vs $215
Days on market
103 vs 46 typical
Where $164/sqft sits among the 144 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)
75 of 144
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 6% 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 10928 W FORT ISLAND TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$390,000
45 TROPICAL DRIVE · same community
3 bd · 2 ba · 1,397 sqft · $279/sqft · 3 DOM
Sold · Mar ’26$295,000
61 SUNNY SHORE DRIVE · same community
3 bd · 2 ba · 1,143 sqft · $258/sqft · 159 DOM
Sold · Jan ’26$227,000
22 SUNNY SHORE DRIVE · same community
2 bd · 1 ba · 984 sqft · $231/sqft · 2 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 10928 W FORT ISLAND TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10928 W FORT ISLAND TRAIL — 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
10928 W FORT ISLAND TRAIL FAQs
What would the monthly payment be for 10928 W FORT ISLAND TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,859/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 10928 W FORT ISLAND TRAIL?+
The most recent tax bill on record (2025) was $2,545. 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 $234,900, this home is listed about 22% below the Crystal River median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10928 W FORT ISLAND TRAIL?+
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 FLORIDAS A TEAM REALTY · Jose Alonzo, SR. MLS #W7885131.
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 10928 W FORT ISLAND TRAIL 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 →