9685 W TOM MASON DRIVE, CRYSTAL RIVER, FL, 34428
Active33 days on marketListed Aug 18, 2026MLS #OM730631
About this home
9685 W TOM MASON DRIVE
Imagine escaping to sunshine, warm breezes and your own Florida backyard! This lovely home offers the relaxed lifestyle snowbirds dream about, with a 3-bedroom, 2-bath home on slightly over 1 acre. The home offers a comfortable layout with plenty of room for family and visiting guests. But the real attraction is outside! Enjoy your heated pool and spa, relax on the enclosed lanai, or start your mornings with coffee and Florida sunshine. The spacious property gives you room to enjoy the outdoors without giving up the comforts of home. Backyard chainlink fenced with extra wide entry gate for the critters! A 2-car attached garage provides convenient parking and plenty of space for your Florida toys, bikes and outdoor gear. Located in beautiful Crystal River, you'll be surrounded by the natural beauty that makes this area such a special place to escape to — from fishing, boating and kayaking to springs, scalloping and unforgettable manatee encounters. Whether you're looking for a winter getaway, second home, retirement destination or a place for the whole family to enjoy, this Crystal River property is ready to welcome you. Trade the snow for sunshine. Trade the cold for your own pool. Come enjoy the Florida lifestyle!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,516
Sqft
1 ac
Lot size
2
Garage
1986
Year built
One
Levels
$247
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.
$2,696 /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
$2,696/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
+3.5%
$/sqft vs Crystal River actives
$247 vs $220
Days on market
33 vs 53 typical
Where $247/sqft sits among the 159 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)
85 of 159
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 88% 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 9685 W TOM MASON DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$330,000
9480 W CARAVAN PATH · same community
4 bd · 2 ba · 2,336 sqft · $141/sqft · 284 DOM
Sold · May ’26$250,000
3988 N BAY AVENUE
3 bd · 2 ba · 1,476 sqft · $169/sqft · 62 DOM
Sold · Apr ’26$265,000
9415 W GREEN BAY LANE
3 bd · 2 ba · 1,575 sqft · $168/sqft · 68 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9685 W TOM MASON DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9685 W TOM MASON DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9685 W TOM MASON DRIVE FAQs
What would the monthly payment be for 9685 W TOM MASON DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,696/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 9685 W TOM MASON DRIVE?+
The most recent tax bill on record (2025) was $1,952. 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 $375,000, this home is listed about 20% 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 9685 W TOM MASON DRIVE?+
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 AT HOME REALTY · Becky Norman. MLS #OM730631.
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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