11699 W INDIAN CIRCLE, CRYSTAL RIVER, FL, 34428
Active26 days on marketListed Sep 16, 2026MLS #OM732354
About this home
11699 W INDIAN CIRCLE
Welcome to 11699 West Indian Circle in Crystal River—a beautifully maintained, move-in ready home situated on an oversized lot backing directly to a peaceful conservation area. This immaculate concrete-block home offers a desirable two-bedroom, two-bath floor plan with a versatile den that provides additional space for a home office, study, or flex room. Inside, vaulted ceilings create an open, airy feel, while luxury vinyl flooring offers a stylish and durable finish throughout the main living areas. The home features a newer roof and has been exceptionally cared for, making it an easy choice for those looking for a home that is truly ready to enjoy. The two-car garage provides convenient parking along with an additional storage area, while the covered rear patio offers a comfortable spot to relax and take in the private, natural setting beyond the backyard. A separate storage shed provides even more room for tools, outdoor equipment, and recreational gear. Located just minutes from Fort Island Beach and close to the shopping, dining, recreation, and other amenities Crystal River has to offer, this property combines everyday convenience with the space and privacy of an oversized conservation-backed lot. Whether you're looking for a full-time residence, Florida getaway, or investment opportunity, this well-maintained home is ready to welcome its next owner.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,277
Sqft
0.34 ac
Lot size
1
Garage
1984
Year built
One
Levels
$157
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.
$1,615 /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
$1,615/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
−28.4%
$/sqft vs Crystal River actives
$157 vs $217
Days on market
26 vs 70 typical
Where $157/sqft sits among the 224 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 → $275K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
86 of 224
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 6% 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 11699 W INDIAN CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$339,000
8505 TOCOI PATH · same community
3 bd · 2 ba · 1,400 sqft · $242/sqft · 26 DOM
Sold · Feb ’26$325,000
8411 TOCOI PATH · same community
3 bd · 2 ba · 1,509 sqft · $215/sqft · 0 DOM
Sold · Mar ’26$479,000
8441 TOCOI PATH · same community
4 bd · 3 ba · 2,668 sqft · $180/sqft · 63 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11699 W INDIAN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11699 W INDIAN CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11699 W INDIAN CIRCLE FAQs
What would the monthly payment be for 11699 W INDIAN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,615/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 11699 W INDIAN CIRCLE?+
The most recent tax bill on record (2025) was $2,272. 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 $199,900, this home is listed about 38% below the Crystal River median of $323,950. The market section on this page shows how the area is trending.
Which schools are assigned to 11699 W INDIAN CIRCLE?+
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 TROPIC SHORES REALTY · Holland McKnight. MLS #OM732354.
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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