260 SE 16TH TERRACE, CRYSTAL RIVER, FL, 34429
Active10 days on marketListed Oct 2, 2026MLS #TB8553963
About this home
260 SE 16TH TERRACE
Virtually Staged. COMPLETELY REFRESHED and MOVE-IN READY in CRYSTAL RIVER! This spacious 2-bedroom, 2-bath home offers approximately 1,640 square feet of living space on an approximately .34-acre homesite with NO HOA, an attached garage and a fenced outdoor area. The interior has undergone extensive improvements, creating a clean, updated home with an OPEN AND FUNCTIONAL layout. Improvements include a NEW 2025 ROOF, newer HVAC, updated plumbing, electrical wiring, outlets and lighting, new lower cabinetry and updated appliances. The renovation work was permitted and finalized, with supporting documentation and invoices available. The kitchen and living spaces provide plenty of room for everyday living and entertaining, while the two-bedroom, two-bath configuration offers comfortable separation and flexibility. Outside, the generous homesite and fenced yard provide additional space for outdoor living, pets, gardening or recreation. The property previously experienced storm-related water intrusion from Hurricane Helene and was subsequently remediated and renovated. Supporting renovation and permit documentation is available for review. A recent homeowners insurance quote has also been obtained. Buyers should perform their own inspections and due diligence regarding property condition, insurance and flood-related matters. LOCATION is another standout feature. Enjoy convenient access to DOWNTOWN CRYSTAL RIVER, Kings Bay, Hunter Springs, Three Sisters Springs, restaurants, shopping, boating and the area's renowned springs and waterfront recreation. If you have been looking for an UPDATED CRYSTAL RIVER HOME with substantial recent improvements, generous outdoor space and convenient access to the area's waterfront attractions, this one deserves a closer look.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,640
Sqft
0.34 ac
Lot size
1
Garage
1978
Year built
One
Levels
$183
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.
$2,539 /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
$2,539/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
−26.6%
$/sqft vs Crystal River actives
$183 vs $217
Days on market
10 vs 70 typical
Where $183/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 23% 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 260 SE 16TH TERRACE
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$475,000
1680 SE 2ND COURT · same community
4 bd · 3 ba · 2,606 sqft · $182/sqft · 131 DOM
Sold · Oct ’26$265,000
9565 W PIMPERNEL LANE
3 bd · 2 ba · 1,664 sqft · $159/sqft · 6 DOM
Sold · May ’26$220,000
1103 SE 3RD STREET
3 bd · 2 ba · 1,596 sqft · $138/sqft · 154 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 260 SE 16TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 260 SE 16TH TERRACE — 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
260 SE 16TH TERRACE FAQs
What would the monthly payment be for 260 SE 16TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,539/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 260 SE 16TH TERRACE?+
The most recent tax bill on record (2025) was $5,774. 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 260 SE 16TH TERRACE?+
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 $299,900, this home is listed about 7% 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 260 SE 16TH TERRACE?+
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 #TB8553963.
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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