3619 N SUWANNEE POINT, CRYSTAL RIVER, FL, 34428
Active3 days on marketListed Jul 21, 2026MLS #OM728967
About this home
3619 N SUWANNEE POINT
Welcome to the Crystal River waterfront lifestyle, where boating, fishing, wildlife, and laid-back coastal living begin right in your backyard. This fully updated 3-bedroom, 2-bath deep-water canal home offers direct access to Kings Bay and is approximately a 10-minute boat ride from the Gulf of America. The private dock can accommodate a boat up to approximately 30 feet, making it easy to cruise to popular destinations such as Shell Island, enjoy inshore fishing for redfish, trout, snook, and mangrove snapper, or head offshore to nearby public reefs. Kayak or boat through Kings Bay to see manatees, dolphins, and native wildlife, explore Three Sisters Springs, or spend the day swimming at Hunter Springs. Waterfront restaurants, including Crackers and the Tipsy Tarpon, are also accessible by boat, allowing you to dock, dine, and enjoy the best of Crystal River without getting in the car. The home has produced approximately $72,000 in gross rental income from March 2025 through March 2026 and is offered as a turnkey opportunity with extensive improvements already completed. Updates include a 2023 roof, updated air conditioning and water heater, a full plumbing repipe, sewer conversion, remodeled kitchen and bathrooms, new appliances, updated furnishings, and refreshed interior and exterior finishes.The open layout flows into a fully fenced backyard with a shaded pergola, fire pit, grill area, and multiple spaces for outdoor dining and entertaining. Whether used as a personal waterfront retreat, second home, or income-producing vacation rental, this property offers the boating access, natural beauty, recreation, and coastal lifestyle that make Crystal River so special.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,444
Sqft
0.25 ac
Lot size
2
Garage
1972
Year built
One
Levels
$360
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.
$3,862 /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
$3,862/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
+75.1%
$/sqft vs Crystal River actives
$360 vs $209
Days on market
3 vs 65 typical
Where $360/sqft sits among the 143 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 → $235K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
75 of 143
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 161% 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 3619 N SUWANNEE POINT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$600,000
3911 N NOKOMIS POINT · same community
2 bd · 2 ba · 1,400 sqft · $429/sqft · 16 DOM
Sold · Feb ’26$385,000
3628 N HIAWATHA TERRACE · same community
2 bd · 2.5 ba · 1,380 sqft · $279/sqft · 147 DOM
Sold · Dec ’25$485,000
3713 N SUWANEE POINT · same community
3 bd · 2 ba · 1,638 sqft · $296/sqft · 236 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 3619 N SUWANNEE POINT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3619 N SUWANNEE POINT — 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
3619 N SUWANNEE POINT FAQs
What would the monthly payment be for 3619 N SUWANNEE POINT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,862/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 3619 N SUWANNEE POINT?+
The most recent tax bill on record (2025) was $4,932. 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 $519,900, this home is listed about 61% 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 3619 N SUWANNEE POINT?+
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
01Positioned at the premium end
$519,900 runs 161% above the CRYSTAL RIVER 34428 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 3 days on market in a Crystal River market that averages 65 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY · Randy Barnes. MLS #OM728967.
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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