1303 SE KINGS BAY DRIVE, CRYSTAL RIVER, FL, 34429
Active21 days on marketListed Aug 30, 2026MLS #TB8543806
About this home
1303 SE KINGS BAY DRIVE
Welcome to the heart of Crystal River, where waterfront living and Florida lifestyle come together! This renovated, move-in-ready home offers nearly 3,000 square feet with 5 bedrooms, 3.5 bathrooms and direct access to Three Sisters Springs, Kings Bay, and the Gulf. Designed for those who love life on the water. The property features a covered boat lift, elevated dock, and floating dock—making it easy to spend your days boating, fishing, kayaking, or cruising to your favorite waterfront restaurants for dinner and live music. The outdoor space is equally impressive and made for entertaining. Enjoy a large heated, saltwater pool surrounded by safety fencing. A wraparound paver deck, two spacious entertaining areas, large storage shed, and fully fenced yard. Inside, an open entry welcomes you into two generous living spaces. The split floor plan features two primary suites plus three additional spacious bedrooms. Offering plenty of room for family and guests. The kitchen is open to the dining area and features a large island, abundant cabinetry, generous pantry storage, and quartz countertops. Quartz continues throughout the bathrooms and indoor laundry room for a cohesive, updated finish. Golf-cart friendly with on-site trailer parking and walking paths providing easy access to downtown Crystal River’s dining, shopping, and entertainment. This home offers the space, amenities, and waterfront lifestyle Crystal River is known for. Schedule your private showing today and experience life on the water!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
2,829
Sqft
0.26 ac
Lot size
1963
Year built
One
Levels
$348
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.
$6,557 /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
$6,557/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.
$/sqft vs Crystal River actives
$348 vs $220
Days on market
21 vs 53 typical
Where $348/sqft sits among the 160 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)
85 of 160
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 265% 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 1303 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 ’26$312,500
1209 SE PARADISE AVENUE · same community
3 bd · 2 ba · 2,048 sqft · $153/sqft · 403 DOM
Sold · Aug ’26$312,500
1201 SE PARADISE AVENUE · same community
3 bd · 2 ba · 1,800 sqft · $174/sqft · 403 DOM
Sold · Jul ’26$1,100,000
823 SW KINGS BAY DRIVE
4 bd · 3 ba · 2,849 sqft · $386/sqft · 146 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1303 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 1303 SE KINGS BAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1303 SE KINGS BAY DRIVE FAQs
What would the monthly payment be for 1303 SE KINGS BAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,557/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 1303 SE KINGS BAY DRIVE?+
The most recent tax bill on record (2025) was $8,556. 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 $985,000, this home is listed about 216% 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 1303 SE KINGS BAY DRIVE?+
Crystal River Primary School (elementary), Crystal River Middle School (middle), Crystal River High School (high) — 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
$985,000 runs 265% above the CRYSTAL RIVER 34429 median — but at 2,829 sqft it's also nearly twice the size of the typical Crystal River listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $1,150,000, now $985,000 — a $165K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PEOPLE'S TRUST REALTY · Alexandria Stein. MLS #TB8543806.
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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