656 NE 11th STREET, CRYSTAL RIVER, FL, 34428
Active31 days on marketListed Sep 11, 2026MLS #CC857771
About this home
656 NE 11th STREET
DID NOT FLOOD! Welcome to the ultimate Crystal River lifestyle! Nestled on a quiet, oak-lined street right in the heart of downtown, this charming 3-bedroom, 2-bathroom home offers the perfect blend of peaceful privacy and unbeatable coastal convenience. Sitting far back from the street under a canopy of mature shade trees, this property provides a serene retreat while keeping you just minutes away from local schools and downtown attractions.Whether you love kayaking, swimming with manatees, or world-class fishing, everything you need is right at your doorstep.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
960
Sqft
0.35 ac
Lot size
1990
Year built
One
Levels
$193
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.
$1,436 /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
$1,436/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
−7.7%
$/sqft vs Crystal River actives
$193 vs $217
Days on market
31 vs 70 typical
Where $193/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 2% below the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 656 NE 11th STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$119,900
8025 W ROSELLA COURT UNIT 5
3 bd · 2 ba · 940 sqft · $128/sqft · 250 DOM
Sold · Oct ’26$199,500
9875 W ORCHARD STREET
2 bd · 2 ba · 936 sqft · $213/sqft · 193 DOM
Sold · Jul ’26$119,000
452 NE 13TH TERRACE
3 bd · 2 ba · 1,008 sqft · $118/sqft · 43 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 656 NE 11th STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 656 NE 11th STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
656 NE 11th STREET FAQs
What would the monthly payment be for 656 NE 11th STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,436/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 656 NE 11th STREET?+
The most recent tax bill on record (2025) was $1,266. 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 $185,000, this home is listed about 43% 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 656 NE 11th STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of TROPIC SHORES REALTY · Tyler Ross. MLS #CC857771.
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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