12032 W WATERWOOD DRIVE, CRYSTAL RIVER, FL, 34429
Active15 days on marketListed Sep 27, 2026MLS #TB8551041
About this home
12032 W WATERWOOD DRIVE
WATERFRONT LIVING WITH DIRECT GULF ACCESS! Discover the possibilities at this rustic waterfront home in Crystal River, situated on a canal with bridge-free access to the Gulf. The main living area is upstairs--2 bedrooms, 1 bath, living room with stone-front wood-burning fireplace, and a rustic kitchen that is ready for your personal touches to pair with the timeless wood burning stove. Sliding glass doors open from the living room to the screened porch so you can enjoy the waterfront setting and Florida breezes. Another stone-front fireplace in the downstairs entertainment/workshop/storage area opens up options for use of the downstairs space. The adjoining carport that keeps your vehicle out of the Florida sun can also be an expansion of the downstairs entertainment space. This unique property offers waterfront lifestyle, outdoor living, and versatile lower-level utility. Designed for enjoying the Florida waterfront lifestyle, with rip rap seawall, a floating dock, and a personal boat ramp, it is ready for you to bring your boat, kayaks, fishing gear, and water toys and take advantage of the canal's connection to the Gulf. Make this Crystal River waterfront property your own! Short term rentals allowed. Roof 2022, Windows 2024, AC 2025.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,200
Sqft
0.29 ac
Lot size
1979
Year built
One
Levels
$313
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.
$2,708 /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
$2,708/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
−19.7%
$/sqft vs Crystal River actives
$313 vs $217
Days on market
15 vs 70 typical
Where $313/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 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)
87 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 53% 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 12032 W WATERWOOD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$325,000
12108 W GULF BREEZE COURT · same community
2 bd · 1.5 ba · 1,272 sqft · $256/sqft · 126 DOM
Sold · Aug ’26$475,000
2764 N REGATTA POINT
2 bd · 2 ba · 1,248 sqft · $381/sqft · 12 DOM
Sold · May ’26$90,000
1229 N EGRET POINT UNIT 1229
2 bd · 2 ba · 1,296 sqft · $69/sqft · 78 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 12032 W WATERWOOD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12032 W WATERWOOD DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12032 W WATERWOOD DRIVE FAQs
What would the monthly payment be for 12032 W WATERWOOD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,708/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 12032 W WATERWOOD DRIVE?+
The most recent tax bill on record (2025) was $2,092. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12032 W WATERWOOD DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Crystal River?+
At $375,000, this home is listed about 16% above the Crystal River median of $323,950. The market section on this page shows how the area is trending.
Which schools are assigned to 12032 W WATERWOOD 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.
Keep looking
Similar homes nearby
Listing courtesy of ERA AMERICAN SUNCOAST REALTY · Karen Stukes. MLS #TB8551041.
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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