CENTURY 21 Edge
$1,050,0003 bd2.5 ba2,970 sqft$354 /sqft$6,980 /mo all-in ↓

556 NW FERN DRIVE, CRYSTAL RIVER, FL, 34428

Active15 days on marketListed Aug 20, 2026MLS #TB8539934

WaterfrontPrivate poolSingle Family ResidenceMAGNOLIA SHORES

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

Private poolWaterfrontFireplaceWater view

Inside

FlooringCarpet · Ceramic Tile · Engineered Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Indoor Grill · Microwave
InteriorCeiling Fan(s) · High Ceilings · Primary Bedroom Main Floor · Stone Counters · Tray Ceiling(s)
LaundryLaundry Room
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewWater
FacesNorthwest
ParkingDriveway
ExteriorPrivate Yard

Community & fees

Taxes (2025)$9,121/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

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%

Principal & interest$5,666
PMI (est., until 20% equity)$394
Property tax — 2025 actual bill$760
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $105,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $105,000
Interest rate6.00%
Loan term

Estimated payment

$6,980/mo

Principal & interest$5,666
PMI (est., until 20% equity)$394
Property taxes (actual bill)$760
Est. insurance$160

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.

List $1.1M
$694KedgeAI estimate $917,435 · range $723K$995K$1.1M

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

3
0
0
1
0 · this home
2
$118–169$169–220$220–271$271–321$321–372$372+

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

HighCrystal River High School★★★★★
MiddleCrystal River Middle School★★★★
ElementaryCrystal River Primary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Crystal River market

Seller’s marketBalanced6.6 months of inventoryBuyer’s 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

Aug 20, 2026Listed at $1,050,000 · 15 days on market since
2008Built · MAGNOLIA SHORES

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.

3340 CRUMP ROADSold · Nov ’25

$552,000

3340 CRUMP ROAD · same community

4 bd · 3 ba · 2,947 sqft · $187/sqft · 286 DOM

10170 SE 106TH LANESold · Apr ’26

$350,000

10170 SE 106TH LANE · same community

3 bd · 2 ba · 2,668 sqft · $131/sqft · 50 DOM

3350 CRUMP ROADSold · 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.

Tommy Trainer

Your agent

Tommy Trainer

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 556 NW FERN DRIVE — start here.

Andrew Acosta

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.

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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