8459 W OAK STREET, CRYSTAL RIVER, FL, 34428
Active6 days on marketListed Sep 14, 2026MLS #G5117773
About this home
8459 W OAK STREET
Crystal River Retreat on 4.81 Acres! This unique 3-bedroom, 2.5-bath split-level home offers a heated saltwater pool, two bedrooms on the main level plus a spacious loft bedroom upstairs. Features include volume ceilings, kitchen, dining and living areas, laundry room, three skylights, and large front and rear decks. The property also features a large 32' x 48' detached garage, 24' x 37' carport, Kwanza Hut for additional storage, chicken coops, and plenty of room for RVs, vehicles, boats, toys, and hobbies. Built in 1996 and tucked away in a quiet area in Crystal River setting while still conveniently to town.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,527
Sqft
4.81 ac
Lot size
3
Garage
1996
Year built
Two
Levels
$360
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.
$3,791 /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
$3,791/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.
$/sqft vs Crystal River actives
$360 vs $220
Days on market
6 vs 53 typical
Where $360/sqft sits among the 160 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 → $325K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
86 of 160
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 175% 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 8459 W OAK STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$186,000
7610 COUNTY ROAD 663 · same community
3 bd · 2 ba · 1,525 sqft · $122/sqft · 9 DOM
Sold · Jul ’26$107,000
8240 W EDGEHILL COURT · same community
1 bd · 1 ba · 1,594 sqft · $67/sqft · 76 DOM
Sold · Jun ’26$105,000
8515 W ORANGETREE STREET · same community
2 bd · 1 ba · 672 sqft · $156/sqft · 4 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8459 W OAK STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8459 W OAK STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8459 W OAK STREET FAQs
What would the monthly payment be for 8459 W OAK STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,791/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 8459 W OAK STREET?+
The most recent tax bill on record (2025) was $1,800. 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 $550,000, this home is listed about 76% above the Crystal River median of $312,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8459 W OAK 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.
The brief
Three things that matter here
01Positioned at the premium end
$550,000 runs 175% above the CRYSTAL RIVER 34428 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Crystal River market that averages 53 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of TROPIC SHORES REALTY LLC · Marian Casteel. MLS #G5117773.
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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