8977 W Emerald Oaks DRIVE, CRYSTAL RIVER, FL, 34428
Active161 days on marketListed May 4, 2026MLS #CC854379
About this home
8977 W Emerald Oaks DRIVE
Unbelievable opportunity on over 5 acres close to Suncoast Parkway! This home was custom built with steel roofing trusses and steel frame walls! Double door entry as you walk into living room with ceramic tile and sliders to private courtyard. Large walk around hallway leads from one side of the home to the other. Guest bedroom offers new carpet, ceiling fan, new paint with private bath offering walk in shower with brand new vanity, fixtures, toilet and closet. Second guest bedroom offer new carpet and paint, full bath with pedestal sink and walk in shower. Master bedroom offers new carpet, ceiling fan, large walk in closet with built in shelves and 11' ceilings. Master bathroom has dual sinks, bidet, toilet and walk in shower. Large pantry closet in hallway with built in shelving. Inside laundry room with washer and dryer, hot water heater and 4 ton Trane AC unit with heat pump. Continue around hallway and there is the door to the covered breezeway leading to 3 car garage with power, 220 amps, concrete flooring, built in cabinets and workshop area with automatic garage door opener. Continue around hallway to find Office/bedroom #4. 1/2 bath off kitchen. Kitchen features cork flooring, dishwasher, side by side fridge with ice/water dispenser and bottom freezer, double sink, granite counter tops, built in microwave, glass top stove, breakfast bar and overlooks dining area. Dining room and living room. There is electrical set up, pump and 2 GFI's and cartridge filter all ready if you want to bring in a hot tub or Jacuzzi for courtyard. Most all furniture and decor stay. Owner will take a few personal items. Septic new in 2016, water softener system new in 2025 with iron, salt system and softener.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,187
Sqft
5.01 ac
Lot size
3
Garage
2017
Year built
One
Levels
$231
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.
$3,873 /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
$3,873/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
+7.3%
$/sqft vs Crystal River actives
$231 vs $217
Days on market
161 vs 70 typical
Where $231/sqft sits among the 224 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 → $275K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
87 of 224
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 167% 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 8977 W Emerald Oaks DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$500,000
8921 W WAUCHULA DRIVE
3 bd · 2.5 ba · 2,320 sqft · $216/sqft · 60 DOM
Sold · Jan ’26$330,000
9480 W CARAVAN PATH
4 bd · 2 ba · 2,336 sqft · $141/sqft · 284 DOM
Sold · Mar ’26$550,000
8711 W Emerald Oaks DRIVE
4 bd · 2.5 ba · 2,451 sqft · $224/sqft · 132 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 8977 W Emerald Oaks DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8977 W Emerald Oaks DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8977 W Emerald Oaks DRIVE FAQs
What would the monthly payment be for 8977 W Emerald Oaks DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,873/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 8977 W Emerald Oaks DRIVE?+
The most recent tax bill on record (2025) was $6,207. 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 $505,000, this home is listed about 56% above the Crystal River median of $323,950. The market section on this page shows how the area is trending.
Which schools are assigned to 8977 W Emerald Oaks DRIVE?+
Crystal River High School (high), Crystal River Middle School (middle), 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
$505,000 runs 167% above the CRYSTAL RIVER 34428 median — but at 2,187 sqft it's also 38% larger than the typical Crystal River listing.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
161 days on market against a Crystal River median of 70 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $579,000, now $505,000 — a $74K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE HOLLOWAY GROUP. MLS #CC854379.
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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