11440 W BAYSHORE DRIVE UNIT 37, CRYSTAL RIVER, FL, 34429
Active8 days on marketListed Sep 12, 2026MLS #L4965006
About this home
11440 W BAYSHORE DRIVE UNIT 37
Own the dock, not the chores. This renovated 2BR/2BA on Dixie Bay comes furnished, with roughly 1,600 sq ft of updated living space and a private dock offering a straight shot to the Gulf. Condo living keeps it nearly maintenance-free: grounds, exterior, and upkeep handled, so you can lock up, head north for the summer, and return to everything just as you left it. Waterfront this effortless is rare in Crystal River; with your own dock, rarer still. Untie at sunrise for redfish, trout, and tarpon, run offshore for grouper, or idle to the springs with coffee in hand. You're central to everything: Kings Bay and its 70+ springs, swimming with manatees November through March, summer scalloping, Fort Island Gulf Beach, the 46-mile Withlacoochee Trail, waterfront seafood, local shops, and a small town where people still wave. Full-time home, winter escape, or furnished income property. Turn the key and start living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,524
Sqft
0.04 ac
Lot size
1973
Year built
One
Levels
$148
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.
$2,629 /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
$2,629/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
+48.9%
$/sqft vs Crystal River actives
$148 vs $223
Days on market
8 vs 53 typical
Where $148/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 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 → $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 17% 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 11440 W BAYSHORE DRIVE UNIT 37
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$210,000
11586 W BAYSHORE DRIVE UNIT 14 · same community
2 bd · 2 ba · 1,584 sqft · $133/sqft · 86 DOM
Sold · Jun ’26$190,000
11550 W BAYSHORE DRIVE UNIT 20 · same community
2 bd · 2 ba · 1,584 sqft · $120/sqft · 194 DOM
Sold · Sep ’26$157,000
11364 W BAYSHORE DRIVE · same community
2 bd · 2 ba · 1,584 sqft · $99/sqft · 24 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 11440 W BAYSHORE DRIVE UNIT 37 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11440 W BAYSHORE DRIVE UNIT 37 — 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
11440 W BAYSHORE DRIVE UNIT 37 FAQs
What would the monthly payment be for 11440 W BAYSHORE DRIVE UNIT 37?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,629/mo — principal and interest, the actual property-tax bill, the $968/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 11440 W BAYSHORE DRIVE UNIT 37?+
The association fee works out to $968 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11440 W BAYSHORE DRIVE UNIT 37?+
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.
Are pets allowed at 11440 W BAYSHORE DRIVE UNIT 37?+
The listing reports pets: Dogs OK, Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Crystal River?+
At $225,000, this home is listed about 28% below the Crystal River median of $312,000. The market section on this page shows how the area is trending.
Which schools are assigned to 11440 W BAYSHORE DRIVE UNIT 37?+
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
$225,000 is 17% below the CRYSTAL RIVER 34429 median of $270,000, and at $148/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 $968/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 HOMESTEAD REAL ESTATE GROUP · Danielle Griffin. MLS #L4965006.
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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