764 NE 12TH STREET, CRYSTAL RIVER, FL, 34428
Pending143 days on marketListed Mar 19, 2026MLS #W7884005
About this home
764 NE 12TH STREET
This .22-acre corner lot in the heart of Crystal River is shaded by mature oak trees and is just minutes away from the famous Three Sisters Springs and Kings Bay Park. Enjoy easy access to crystal-clear waters, wildlife, restaurants, shops, outdoor recreation, and the chance to see manatees up close. This lot also offers access to city water and sewer. A prime location to build your dream home or vacation home in one of Florida's most sought-after areas!
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.
$237 /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
$237/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 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 → $325K
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 96% below the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 764 NE 12TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$275,000
222 NE 1ST AVENUE
1 bd · 1.5 ba · 468 sqft · $588/sqft · 5 DOM
Sold · Jun ’26$105,000
8515 W ORANGETREE STREET
2 bd · 1 ba · 672 sqft · $156/sqft · 4 DOM
Sold · Aug ’25$175,000
309 NW CRYSTAL STREET
2 bd · 1 ba · 780 sqft · $224/sqft · 190 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 764 NE 12TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 764 NE 12TH STREET — 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
764 NE 12TH STREET FAQs
What would the monthly payment be for 764 NE 12TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $237/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 764 NE 12TH STREET?+
The most recent tax bill on record (2025) was $318. 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 $7,950, this home is listed about 97% below the Crystal River median of $309,900. The market section on this page shows how the area is trending.
Which schools are assigned to 764 NE 12TH STREET?+
Crystal River Middle School (middle), Crystal River High School (high), Crystal River Primary School (elementary) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the CRYSTAL RIVER 34428 market on paper
$7,950 is 96% below the CRYSTAL RIVER 34428 median of $189,000.
02Time on market is leverage
143 days on market against a Crystal River median of 53 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $14,500, now $7,950 — a $7K cut. The full history is in the market section below.
Listing courtesy of HOMAN REALTY GROUP INC · Thomas "TJ" Homan, Jr. MLS #W7884005.
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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