3924 N APALACHEE POINT, CRYSTAL RIVER, FL, 34428
Active244 days on marketListed Dec 1, 2025MLS #TB8452448
About this home
3924 N APALACHEE POINT
Welcome to 3924 North Apalachee Point, an extraordinary opportunity to build your dream waterfront oasis in the highly desirable Indian Waters community. This vacant homesite has already been partially cleared and prepared for your vision, complete with a beautiful seawall along a canal that leads directly to the open Gulf. With short term rentals allowed in this community, this property offers endless flexibility for a full time residence, a seasonal escape, or an income producing investment. This is truly a blank canvas where the possibilities are endless. Imagine custom designing your ideal coastal retreat, then spending your days fishing, snorkeling, or scalloping right from your own backyard. Crystal River is famous for its clear blue springs, incredible wildlife, and world class water activities, making this location one of Florida’s most sought after destinations. Just minutes away, you can explore Crystal River State Park, where you will find scenic nature trails, boardwalks, bird watching, and the chance to experience manatees in their natural habitat. Head about ten minutes to Downtown Crystal River, a charming district filled with boutique shops, waterfront restaurants, coffee spots, and local favorites like the Heritage Village area. Nearby attractions include Three Sisters Springs, Hunter Spring Park, and Kings Bay, giving you access to some of the best paddle boarding, kayaking, and swimming locations in the state. This property is more than a piece of land. It is a lifestyle, an investment, and an invitation to create something incredible in a place known for its natural beauty and laid back coastal living. Whether you envision a modern waterfront home, a cozy weekend getaway, or a lucrative rental retreat, this rare canal property gives you the freedom to bring your ideas to life. Do not miss this chance to build your future in the heart of Crystal River. Your dream waterfront story starts here.
Facts & features
The home at a glance
0.26 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.
$2,013 /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
$2,013/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 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 30% above the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 3924 N APALACHEE POINT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$337,000
3874 N TIMUCUA POINT · same community
3 bd · 2 ba · 1,478 sqft · $228/sqft · 58 DOM
Sold · Jul ’26$880,000
3817 N CALUSA POINT · same community
3 bd · 2 ba · 1,728 sqft · $509/sqft · 367 DOM
Sold · Jul ’26$535,000
3956 N TIMUCUA POINT · same community
3 bd · 3 ba · 2,328 sqft · $230/sqft · 36 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3924 N APALACHEE POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3924 N APALACHEE 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
3924 N APALACHEE POINT FAQs
What would the monthly payment be for 3924 N APALACHEE POINT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,013/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 3924 N APALACHEE POINT?+
The most recent tax bill on record (2025) was $2,484. 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 $260,000, this home is listed about 19% 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 3924 N APALACHEE 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
Four things that matter here
01Positioned at the premium end
$260,000 runs 30% 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
244 days on market against a Crystal River median of 65 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $275,000, now $260,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA PROPERTIES · Richard Boswell. MLS #TB8452448.
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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