12039 W FORT ISLAND TRAIL, CRYSTAL RIVER, FL, 34429
Active17 days on marketListed Sep 25, 2026MLS #TB8547326
About this home
12039 W FORT ISLAND TRAIL
Discover the quiet beauty of Old Florida with approx 9.5 acres of natural wetlands and marshland, offering a unique opportunity to own a piece of Florida’s native landscape. Citrus County owns 257 acres of similar character starting with an adjoining lot to this land, reinforcing the value of protecting and appreciating this environment. The wetland environment with marsh, native vegetation, and natural drainage features includes tributary areas associated with the Crystal River watershed. Its habitat can provide an inviting setting for observing biodiversity—birds and other native wildlife that may call this type of environment home. Buyer to verify any buildability options with county and environmental authorities. Though it feels remote, it is only approximately 6 miles from town, 4 miles from Ft Island Trail beach, and directly across the road from a public boat ramp. Centrally located between shopping, dining, everyday conveniences, and Gulf Coast recreation. For someone drawn to the peacefulness of wetlands and the sounds of native wildlife, this property offers something increasingly difficult to find: acreage, natural beauty, and proximity to the Crystal River area—all in one setting. Come explore the possibilities and make this beautiful piece of natural Florida yours. Adjoining residential .23 acre lot also available under separate listing (11975 W Waterwood).
Facts & features
The home at a glance
9.5 ac
Lot size
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.
$659 /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
$659/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.
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 → $275K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
Median sold price, Crystal River, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 69% below the CRYSTAL RIVER 34429 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 12039 W FORT ISLAND TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$200,000
2653 N Seabreeze POINT
1 bd · 1.5 ba · 650 sqft · $308/sqft · 1 DOM
Sold · Aug ’26$220,000
2695 N Seabreeze POINT
1 bd · 1.5 ba · 650 sqft · $338/sqft · 0 DOM
Sold · Aug ’26$350,000
2630 N COMANCHE POINT
2 bd · 1 ba · 672 sqft · $521/sqft · 80 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12039 W FORT ISLAND TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12039 W FORT ISLAND TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12039 W FORT ISLAND TRAIL FAQs
What would the monthly payment be for 12039 W FORT ISLAND TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $659/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 12039 W FORT ISLAND TRAIL?+
The most recent tax bill on record (2025) was $212. 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 $76,000, this home is listed about 77% 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 12039 W FORT ISLAND TRAIL?+
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.
Keep looking
Similar homes nearby
Listing courtesy of ERA AMERICAN SUNCOAST REALTY · Karen Stukes. MLS #TB8547326.
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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