3861 N RINGDOVE POINT, CRYSTAL RIVER, FL, 34428
Active144 days on marketListed Mar 1, 2026MLS #A4684422
About this home
3861 N RINGDOVE POINT
Crystal River WATERFRONT HOME NOT DAMAGED by Helene or Milton! NOT in City limits so great rental potential. Enjoy the property as often as you wish, then allow the rental income to cover expenses. Current owner grossed approx. $30K in 2025 and $15K is reflected so far for 2025 while they enjoy weekend get-aways! Over 1/4 acre directly on wide open water with protected dock plus onsite storage space for all the "toys". GREAT fishing right from your backyard! Cast a line while you watch the beautiful dolphins & manatees play and entertain you. Enjoy an easy, peaceful boat ride from your dock to Pete's Pier for gas and bait, great restaurants, Three Sister Springs or out to the Gulf. This beautifully remodeled 3/2 home boasts a new metal roof, new kitchen, new flooring, all fresh paint inside and out, plus updated bathrooms. Peaceful Crystal River is a Florida treasure! This is an opportunity to secure a permanent home, investment opportunity or weekend getaway. This gem is priced to sell!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,224
Sqft
0.27 ac
Lot size
2
Garage
1972
Year built
One
Levels
$408
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.
$3,943 /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
$3,943/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
+39.2%
Days on market
144 vs 65 typical
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)
Median sold price, Crystal River, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 150% above the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →
Paper trail
This home's history
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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3861 N RINGDOVE POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3861 N RINGDOVE POINT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
3861 N RINGDOVE POINT FAQs
What would the monthly payment be for 3861 N RINGDOVE POINT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,943/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 3861 N RINGDOVE POINT?+
The most recent tax bill on record (2024) was $7,498. 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 3861 N RINGDOVE POINT?+
The listing reports pets: Cats OK, Dogs OK, 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 $499,000, this home is listed about 55% above the Crystal River median of $322,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3861 N RINGDOVE POINT?+
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
01Positioned at the premium end
$499,000 runs 150% above the CRYSTAL RIVER 34428 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
144 days on market against a Crystal River median of 65 — sellers in this position are usually ready to negotiate.
Listing courtesy of COLDWELL BANKER REALTY · Sue Repp. MLS #A4684422.
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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