1326 S ESTUARY, CRYSTAL RIVER, FL, 34429
Active78 days on marketListed May 7, 2026MLS #OM723861
About this home
1326 S ESTUARY
Discover a rare opportunity to own a private riverfront estate in Ozello, spanning 1.5 acres with over 500 feet of natural shoreline protected by a sturdy rock seawall. This expansive property is a sanctuary, fully enclosed by a privacy fence and offering vast space for vehicle and equipment storage. Just three miles from open waters of the Gulf of Mexico, this location is a premier gateway for world-class boating and fishing. The cypress-sided residence is designed to celebrate its unique setting, featuring over 1,000 square feet of attached decking with custom railings that overlook a constant parade of Florida wildlife, including dolphins, manatees and otters. The outdoor experience is further enhanced by a paved fire pit, and a floating dock. Inside, the home features solid wood cabinetry, durable tile flooring and newer windows, with a roof replaced in 2022 for added peace of mind. The primary suite serves as a tranquil retreat with direct deck access and water views, complemented by a primary bath with a tiled shower and updated vanity. Two additional bedrooms share a newly remodeled bath featuring modern lighting, built-in shelving and a fresh vanity. From vibrant birdlife, including pelicans, ospreys and spoonbills, to the seamless flow between the indoor and outdoor entertaining spaces, this estate offers a lifestyle of proven expertise in coastal relaxation and adventure.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,144
Sqft
1.5 ac
Lot size
1979
Year built
One
Levels
$480
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.
$3,925 /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
$3,925/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.
$/sqft vs Crystal River actives
$480 vs $213
Days on market
78 vs 65 typical
Where $480/sqft sits among the 144 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 → $235K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
75 of 144
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 111% 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 1326 S ESTUARY
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$275,000
14190 W SUTTON COURT
2 bd · 2 ba · 924 sqft · $298/sqft · 82 DOM
Sold · Aug ’25$380,000
14640 W BLACK CREEK DRIVE
2 bd · 2 ba · 912 sqft · $417/sqft · 410 DOM
Sold · May ’26$159,999
2221 S WATERMAN DRIVE
2 bd · 1 ba · 896 sqft · $179/sqft · 18 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1326 S ESTUARY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1326 S ESTUARY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
1326 S ESTUARY FAQs
What would the monthly payment be for 1326 S ESTUARY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,925/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 1326 S ESTUARY?+
The most recent tax bill on record (2025) was $3,483. 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 1326 S ESTUARY?+
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 $549,000, this home is listed about 70% above the Crystal River median of $322,450. The market section on this page shows how the area is trending.
Which schools are assigned to 1326 S ESTUARY?+
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.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Angela Rose. MLS #OM723861.
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.
Never miss a listing
New Crystal River homes, in your inbox
Like 1326 S ESTUARY but not quite? A daily digest of every new listing in Crystal River — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Steeve to ping you on any price or status change →