
10933 W FORT ISLAND TRAIL, CRYSTAL RIVER, FL, 34429
Active14 days on marketListed Sep 28, 2026MLS #TB8551618
About this home
10933 W FORT ISLAND TRAIL
Picture mornings that start with coffee by the water, afternoons spent boating, fishing, scalloping, or kayaking, and evenings that end with a sunset at FORT ISLAND GULF BEACH or dinner in DOWNTOWN CRYSTAL RIVER. 10933 W FORT ISLAND TRAIL is more than a vacant lot, it is the opportunity to build a home around the way you actually want to live. Create a CUSTOM WATERFRONT RETREAT where weekends feel like vacations and the water becomes part of everyday life. Whether you envision a full-time residence, seasonal escape, or future investment, this homesite gives you a blank canvas in one of Crystal River’s most desirable recreational corridors. With convenient access to the area’s SPRINGS, MARINAS, BOAT RAMPS, RESTAURANTS, BEACH, AND GULF WATERS, you can spend less time getting there and more time enjoying everything the Nature Coast is known for. Design the outdoor space you have always wanted: a place for kayaks, fishing gear, waterfront dinners, visiting friends, and slow Florida evenings under the palms. Build something personal, something intentional, and something that takes full advantage of the location. THIS IS NOT JUST A LOT. IT IS THE START OF YOUR CRYSTAL RIVER WATERFRONT LIFESTYLE. Buyer and buyer’s agent to independently verify all information important to the buyer, including ZONING, BUILDING REQUIREMENTS, UTILITIES, WATER ACCESS, LOT DIMENSIONS, FLOOD/ELEVATION REQUIREMENTS, PERMITTING, AND INTENDED USE.
Facts & features
The home at a glance
0.22 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.
$910 /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
$910/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 59% 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 10933 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 · May ’26$90,000
1229 N EGRET POINT UNIT 1229
2 bd · 2 ba · 1,296 sqft · $69/sqft · 78 DOM
Sold · May ’26$90,000
1229 N Egret POINT
2 bd · 2 ba · 1,296 sqft · $69/sqft · 51 DOM
Sold · Aug ’26$125,000
11485 W Sandpiper COURT
2 bd · 2 ba · 1,296 sqft · $96/sqft · 107 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 10933 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 10933 W FORT ISLAND TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10933 W FORT ISLAND TRAIL FAQs
What would the monthly payment be for 10933 W FORT ISLAND TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $910/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 10933 W FORT ISLAND TRAIL?+
The most recent tax bill on record (2024) was $1,418. 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 10933 W FORT ISLAND TRAIL?+
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 $99,900, this home is listed about 69% 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 10933 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 54 REALTY LLC · Candance Toscano. MLS #TB8551618.
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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