11201 W GEM STREET, CRYSTAL RIVER, FL, 34428
Pending127 days on marketListed Apr 1, 2026MLS #OM722003
About this home
11201 W GEM STREET
Come build your dream home in Crystal River, with over 80 natural springs along the coast. Citrus County has the largest documented concentration of natural springs on the coast in the world making it home to the worlds largest manatee population. This ecosystem starting with fresh water springs and flowing into the saltwater bay also attracts many unique forms of wildlife for you enjoyment. There is Publix located about eight miles and Walmart is about twelve. This lot is also located about 1500 ft away is the Tampa General Hospital. In addition, the end of the new Suncoast Expwy is about a mile and a half away with an expected completion date around 2030, making your trip Tampa for the game an enjoyable non-stop ride in just over an hour. Come see what Crystal River has to offer you!
Facts & features
The home at a glance
0.63 ac
Lot size
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.
$297 /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
$297/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.
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)
Median sold price, Crystal River, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% below the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →
Paper trail
This home's history
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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 11201 W GEM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11201 W GEM STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11201 W GEM STREET FAQs
What would the monthly payment be for 11201 W GEM STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $297/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 11201 W GEM STREET?+
The most recent tax bill on record (2025) was $124. 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 11201 W GEM STREET?+
The listing reports pets: Yes. 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 $20,000, this home is listed about 93% below the Crystal River median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 11201 W GEM STREET?+
Crystal River Middle School (middle), Crystal River High School (high), 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
01Under the CRYSTAL RIVER 34428 market on paper
$20,000 is 89% below the CRYSTAL RIVER 34428 median of $189,000.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
127 days on market against a Crystal River median of 49 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $22,500, now $20,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SUNCOAST MANSIONS LLC · John Burke. MLS #OM722003.
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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