1291 N Osprey. #174 POINT, CRYSTAL RIVER, FL, 34429
Active69 days on marketListed Aug 4, 2026MLS #CC856785
About this home
1291 N Osprey. #174 POINT
Bring Your Vision & Boat: Custom Ground-Floor Waterfront Condo! Create your dream retreat in The Islands, a peaceful, highly sought-after boating and waterfront community. This cozy 1-bedroom, 1-bathroom ground-floor condo is a complete blank slate waiting for your personal style. The Ultimate Advantage: Insurance money is available for you to choose your own custom finishes! Select your exact cabinets, countertops, appliances, A/C unit, and drywall—all built out to your personal taste. Community & Location Highlights: Resort Amenities: Sparkling community pool and tennis courts. Boater’s Dream: Located just minutes from the open waters of the Gulf by boat. Prime Location: Quiet, serene setting just 7 minutes from town. Investment Potential: 3-month minimum rental policy offers great flexibility. Don't miss this rare opportunity to own a customized waterfront haven!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
750
Sqft
0.02 ac
Lot size
1973
Year built
One
Levels
$113
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 and the real association fee — not generic estimates.
$1,740 /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
$1,740/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
−52%
$/sqft vs Crystal River actives
$113 vs $217
Days on market
69 vs 70 typical
Where $113/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 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 → $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 65% 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 1291 N Osprey. #174 POINT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$350,000
2630 N COMANCHE POINT
2 bd · 1 ba · 672 sqft · $521/sqft · 80 DOM
Sold · Sep ’26$200,000
2653 N Seabreeze POINT
1 bd · 1.5 ba · 650 sqft · $308/sqft · 1 DOM
Sold · Aug ’26$220,000
2695 N Seabreeze POINT
1 bd · 1.5 ba · 650 sqft · $338/sqft · 0 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 1291 N Osprey. #174 POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1291 N Osprey. #174 POINT — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1291 N Osprey. #174 POINT FAQs
What would the monthly payment be for 1291 N Osprey. #174 POINT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,740/mo — principal and interest, the actual property-tax bill, the $965/mo association fee 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.
How much are the HOA fees at 1291 N Osprey. #174 POINT?+
The association fee works out to $965 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1291 N Osprey. #174 POINT?+
The most recent tax bill on record (2025) was $925. 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 $85,000, this home is listed about 74% below the Crystal River median of $323,950. The market section on this page shows how the area is trending.
Which schools are assigned to 1291 N Osprey. #174 POINT?+
Crystal River Primary School (elementary), Crystal River Middle School (middle), Crystal River High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the CRYSTAL RIVER 34429 market on paper
$85,000 is 65% below the CRYSTAL RIVER 34429 median of $244,500, and at $113/sqft it sits under the Crystal River average of $258.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $965/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Sarita Harty. MLS #CC856785.
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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