
556 NW FERN DRIVE, CRYSTAL RIVER, FL, 34428
Active15 days on marketListed Aug 20, 2026MLS #TB8539934
About this home
556 NW FERN DRIVE
“Quintessential” (representing the most perfect, ideal, or typical example of a quality or class) is the perfect word to describe this Crystal River waterfront pool home. This property is very much a representative of the perfect, or ideal, scenario that one could ask for in a waterfront pool home. It’s not situated high atop stilts, nor does it have a waterway that is restricted by a bridge or extremely shallow water depth. It’s also built on pilings that were driven to bedrock in the ground to resist settling. These 3 items alone make this property highly desirable, but when you couple them with the ideal location and an impressive list of amenities, you should be able to understand and agree with the quintessential reference that I’ve made. Magnolia Shores is a walkable community located just a few blocks from downtown Crystal River. This means easy access to everything the downtown district has to offer, including annual festivals, locally owned restaurants/bars, and shops. Year-round activities happen in this district, and you’d have easy access to them all. Local access to events and happenings is great, but what about those quiet times we all need and crave? In a world full of to-do lists, schedules, and appointments, everyone needs that special place they call sanctuary. The new owner of this home will get just that. Call it what you want: a sanctuary, or a slice of paradise away from it all. This house doesn’t need much to make it feel like home. Downstairs, you will find a generously sized master suite complemented by a large bathroom equipped with a garden tub, dual vanities, and a large walk-in closet. The living room, family room, and kitchen can also be found downstairs, and each of them overlooks the pool deck and waterway. Also downstairs is a den/office that is currently set up as a 4th bedroom. Upstairs, you will find the guest bedrooms, a guest bathroom, and a large open loft. This description and the pictures should tell the story of a large, comfortable home that offers more than enough space for you to entertain or simply spread out. No waterfront home description is complete without talking about the waterside amenities. As comfortable as this home is on the inside, it may be even more comfortable on the outside for water enthusiasts. Along with a pool and pool deck just made for parties/entertaining, you’ll find a covered boat slip with a 13,000-lb lift, a fish-cleaning station, and a jet ski slip/lift. Staying cool and accessing the water were never easier. Choices exist, but some are better than others. Come see why this property is the best choice. No short-term or vacation rentals allowed. This description was written by a human who has experienced the home and can speak intelligently about it. No regurgitated AI slop here.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,970
Sqft
0.27 ac
Lot size
3
Garage
2008
Year built
Two
Levels
$354
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.
$6,980 /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
$6,980/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
+14.4%
$/sqft vs MAGNOLIA SHORES
$354 vs $292
Days on market
15 vs 53 typical
Where $354/sqft sits among the 6 homes for sale in MAGNOLIA SHORES
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)
3 of 6
MAGNOLIA SHORES have cut their price
Median sold price, Crystal River, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 428% 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 556 NW FERN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$552,000
3340 CRUMP ROAD · same community
4 bd · 3 ba · 2,947 sqft · $187/sqft · 286 DOM
Sold · Apr ’26$350,000
10170 SE 106TH LANE · same community
3 bd · 2 ba · 2,668 sqft · $131/sqft · 50 DOM
Sold · Dec ’25$550,000
3350 CRUMP ROAD · same community
2 bd · 3.5 ba · 2,387 sqft · $230/sqft · 17 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 556 NW FERN DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 556 NW FERN DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
556 NW FERN DRIVE FAQs
What would the monthly payment be for 556 NW FERN DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,980/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 556 NW FERN DRIVE?+
The most recent tax bill on record (2025) was $9,121. 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 $1,050,000, this home is listed about 237% 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 556 NW FERN 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 ACTIVE AGENT REALTY LLC · David Bramblett. MLS #TB8539934.
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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