
220 SE KINGS BAY DRIVE, CRYSTAL RIVER, FL, 34429
Active4 days on marketListed Aug 12, 2026MLS #OM730254
About this home
220 SE KINGS BAY DRIVE
What if home felt a little more like vacation? Morning coffee overlooking the canal, afternoons on the Gulf, and evenings by the pool. At 220 SE Kings Bay Drive, the water isn’t simply something you see from the backyard. It’s part of everyday life. Thoughtfully updated for Florida living, this 3-bedroom, 2-bath waterfront home with a 2-car garage combines extensive 2025 renovations with exceptional indoor and outdoor entertaining spaces. Inside, luxury plank flooring flows through most of the home into a beautifully remodeled kitchen featuring abundant cabinetry, expansive countertops, an oversized center island and high-end KitchenAid stainless steel appliances. New sliding glass doors installed in 2025 connect the main living area to the screened pool and canal beyond. An adjoining counter and kitchenette area leads into the waterfront family room, creating a natural flow between the home’s gathering spaces. The family room makes a statement with a vaulted wood ceiling, exposed beams and a wall of windows overlooking the canal and dock. Sliding glass doors open to the pool and lanai, while French doors from the primary bedroom provide another connection to the outdoor living area. Outside, the Crystal River lifestyle takes center stage. The expansive screened lanai offers a pool and covered areas for relaxing and entertaining, followed by a fully fenced backyard leading to the water. A separate waterfront deck offers another place to grill, unwind or enjoy the canal views. A private launch area provides convenient access for kayaks, paddleboards and small watercraft. Approximately 100 feet of waterfront, a concrete seawall, private dock and boat slip complete the setup. For boaters, the location delivers with direct Gulf access and no bridges between your backyard and open water. Head out fishing, cruise toward the Gulf or launch a kayak right from home. Additional features include a 10’ x 8’ storage shed near the boat slip, decorative aluminum fencing and a side concrete and gravel parking pad with 30-amp electrical service for an RV or motorhome. Major improvements include a 2020 roof, new garage door and sliding glass doors in 2025, extensive interior remodeling in 2025 and a complete exterior repaint in 2026. Located minutes from downtown Crystal River with convenient access to dining, shopping, boating and the outdoor recreation that defines Florida’s Nature Coast. Some homes put you near the Crystal River lifestyle. This one puts you right in the middle of it.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,077
Sqft
0.29 ac
Lot size
2
Garage
1983
Year built
One
Levels
$457
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.
$5,946 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,946/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+88.4%
$/sqft vs Crystal River actives
$457 vs $214
Days on market
4 vs 53 typical
Where $457/sqft sits among the 154 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)
79 of 154
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 281% above the CRYSTAL RIVER 34429 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 220 SE KINGS BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$609,000
480 MILLER CREEK ROAD
3 bd · 3 ba · 2,060 sqft · $296/sqft · 161 DOM
Sold · Apr ’26$290,000
870 N COUNTRY CLUB DRIVE
3 bd · 2 ba · 2,096 sqft · $138/sqft · 77 DOM
Sold · Mar ’26$235,000
522 SE PARADISE POINT ROAD
3 bd · 2 ba · 2,045 sqft · $115/sqft · 161 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 220 SE KINGS BAY DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 220 SE KINGS BAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
220 SE KINGS BAY DRIVE FAQs
What would the monthly payment be for 220 SE KINGS BAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,946/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 220 SE KINGS BAY DRIVE?+
The most recent tax bill on record (2025) was $3,645. 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 $949,900, this home is listed about 204% above the Crystal River median of $312,500. The market section on this page shows how the area is trending.
Which schools are assigned to 220 SE KINGS BAY DRIVE?+
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
Three things that matter here
01Positioned at the premium end
$949,900 runs 281% above the CRYSTAL RIVER 34429 median — but at 2,077 sqft it's also 31% larger than the typical Crystal River listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a Crystal River market that averages 53 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of WAVE ELITE REALTY LLC · Norman Longfellow. MLS #OM730254.
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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