3840 N CALUSA POINT, CRYSTAL RIVER, FL, 34428
Active17 days on marketListed Sep 25, 2026MLS #TB8552358
About this home
3840 N CALUSA POINT
Virtually Staged. One or more photo(s) has been virtually staged. EXPERIENCE TRUE FLORIDA WATERFRONT LIVING IN THIS FULLY FURNISHED, BEAUTIFULLY RENOVATED POOL HOME WITH PROVEN SHORT-TERM RENTAL SUCCESS, ON A CANAL IN CRYSTAL RIVER! This 3-bedroom, 2-bath home offers over 2,245 sq ft of living area, beautiful renovations, a metal roof, newer windows and sliders, all on an Indian Waters canal with access Crystal River and the Gulf. The remodeled galley kitchen features generous granite counter space, a breakfast bar overlooking the dining room, and a separate coffee bar. The heart of the home is the Great Room (and it truly is GREAT), where a fireplace sits centered between floor-to-ceiling windows, flanked by a wall-to-wall built-in bookcase. The split floor plan puts the massive primary suite on its own side of the home, with a sitting area, walk-in closet, and bright, updated bath, while the guest rooms enjoy their own privacy on the other. Multiple points of access make it easy to move from indoors to the screened porch and heated saltwater pool, all overlooking a tranquil canal with a seawall and floating dock, ready for boating, fishing, and wildlife watching. With no HOA and a location outside city limits, you'll have the flexibility to make this property your own, including continuing its short-term vacation rental use. Offered fully furnished, it's move-in and rental ready, so whether you want a full-time residence, a weekend getaway, or a turnkey investment property, this one checks every box. Garage door replaced in 2018. Metal Roof is 2016. Nature lovers will delight in the unmatched access to Florida’s Nature Coast! Enjoy world-class scalloping, fishing, snorkeling, kayaking, and paddleboarding just minutes from your door. Explore the vibrant local scene with charming shops, restaurants, parks, and year-round community events, all conveniently located. Don’t miss your chance to own this exceptional waterfront retreat in one of Crystal River’s most beloved neighborhoods. Schedule your private showing today and start making unforgettable memories on the water!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,245
Sqft
0.24 ac
Lot size
2
Garage
1979
Year built
One
Levels
$311
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.
$4,785 /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
$4,785/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.
vs edgeAI estimate
+18.3%
$/sqft vs Crystal River actives
$311 vs $217
Days on market
17 vs 70 typical
Where $311/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 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
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 270% above the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 3840 N CALUSA POINT
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$535,000
3956 N TIMUCUA POINT · same community
3 bd · 3 ba · 2,328 sqft · $230/sqft · 36 DOM
Sold · May ’26$535,000
3855 N TIMUCUA POINT · same community
3 bd · 2 ba · 2,413 sqft · $222/sqft · 247 DOM
Sold · Aug ’26$475,000
11370 W STATE PARK STREET · same community
4 bd · 2 ba · 2,040 sqft · $233/sqft · 255 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3840 N CALUSA POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3840 N CALUSA POINT — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3840 N CALUSA POINT FAQs
What would the monthly payment be for 3840 N CALUSA POINT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,785/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 3840 N CALUSA POINT?+
The most recent tax bill on record (2025) was $7,091. 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 3840 N CALUSA POINT?+
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 $699,000, this home is listed about 116% 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 3840 N CALUSA POINT?+
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.
Keep looking
Similar homes nearby
Listing courtesy of ALEXANDER REAL ESTATE, INC. · Joseph Alexander. MLS #TB8552358.
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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