764 NE 13th St · Crystal River, FL 34428

$190,000

3 bd · 2.0 ba · 1,625 sqft · SingleFamily public records · 57 Days on market

Built 1965 9,899 sqft lot Est $247k · 23% under

---

Why this score? — see what drove the B+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.4/10.0
• Schools +4.1/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

One or more photo(s) has been virtually staged. Charming farmhouse-style home on a corner lot with a metal roof, inviting front porch, and a spacious backyard complete with a greenhouse, large matching shed, and mature trees--perfectly located just steps from Crystal River High School. This 3-bedroom, 2-bath home offers a flexible layout, unique character, and a one-car garage with workshop for added functionality. From the moment you arrive, the home's red exterior, stone accent wall, and covered front porch create a welcoming first impression, offering the perfect spot for a table and chairs to enjoy the outdoors. A glass-paneled front storm door allows you to let in natural light while keeping the interior cool and comfortable. Inside, the living room features plush, well-maintained carpeting, a built-in bookcase, and a large front-facing window that brings in natural light. A high wall cutout near the ceiling connects visually to the kitchen, adding architectural interest while maintaining privacy between spaces. The dining area sits just beyond and features sliding glass doors that open to the rear patio, creating an easy indoor-outdoor flow. The kitchen offers decorative linoleum flooring, a mix of white upper cabinetry and coordinating lower cabinets, and a double sink positioned beneath a window overlooking the backyard. A combination of stone and tile backsplash adds texture and charm to the space. Just off the dining area, a large flex room provides so many options-currently used as an office, it features wood-paneled walls, multiple windows, matching carpet, and even a second refrigerator that conveys. The primary suite includes terrazzo flooring, multiple windows, a walk-in closet, and an ensuite bathroom with a step-in shower and single vanity. Two additional bedrooms also feature terrazzo floors, built-in closets, and natural light, while the guest bathroom showcases vintage charm with retro pink tile, a coordinating sink, a tub/shower combo with sliding glass doors, and a unique folding mirror. Additional highlights include an interior laundry room with the water heater and electrical panel, a security system, and a one-car garage equipped with built-in shelving and a dedicated workshop area. Step outside to enjoy the backyard, where you'll find a patio for relaxing or entertaining, a greenhouse for gardening enthusiasts, and a large storage shed that matches the home. A chain-link fence lines the rear of the property, and the c

Key facts

• Spacious backyard
• Inviting front porch
• Greenhouse

Tags

• INVITING FRONT PORCH
• SPACIOUS BACKYARD
• GREENHOUSE
• LARGE MATCHING SHED
• MATURE TREES
• CORNER LOT

Property features AI

Finance

• Other: Homestead exempt; Zoned R2
• Financial info: Lease restrictions: none reported
• HOA & community: No HOA association reported; Pets allowed

Exterior

• Parking: Driveway; Off-street parking; Garage with workshop area; Attached 1-car garage
• Security: Security system; Smoke detectors
• Utilities: Public water; Public sewer; Electricity connected; Broadband/High-speed internet available
• Home design: Single family residence; One story; Faces north
• Construction: Wood siding exterior; Metal roof; Concrete perimeter foundation and slab; Built in public records living area approx. 1625 sq ft (building total 2041 sq ft)
• Exterior features: Covered front porch; Patio; Porch; Awnings; Sliding doors; Chain link fencing; Greenhouse; Storage shed(s); Corner, level, paved lot; Public-maintained paved roads (asphalt/concrete)

Interior

• Kitchen: Dishwasher; Microwave; Range; Range hood; Refrigerator; Exhaust fan
• Bedrooms: 3 bedrooms (one-story home)
• Flooring: Carpet; Linoleum; Slate; Terrazzo
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Ductless heating option; Central air conditioning; Wall/window AC unit(s)
• Interior features: Built-in features; Ceiling fans; Solid surface counters; Programmable thermostat; Walk-in closet(s); Blinds on windows
• Laundry & utility: Interior laundry room with washer and electric dryer hookups

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $439 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $190k).
• Recommended offer: $184k (3.0% below list) — sets the bar for market timing.
• Cap rate 11.8% vs local median 2.1% in Crystal River — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 66/100 on livability (#603 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+; Watch: health & safety C-, amenities F, commute F.
• Citrus (rural): math 49% / reading 50% proficiency, ranked #44 of 73 in FL (top 60%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Crystal River Primary School (math 45% / reading 55%, grade D+, #1,070 of 2,144 statewide, top 51%, 654 students, 70% FRL); Crystal River High School (math 31% / reading 44%, grade F, #336 of 667 statewide, top 51%, 1,249 students, 56% FRL).
• Market conditions: 320 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 2,443 units permitted in Citrus County in 2024 (0 in 5+ unit buildings).
• At $2,547/mo this rent would consume 60% of the median local household income ($51k/yr) (locally 264% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Citrus County population projected to shrink 10% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 57 days — a 3% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $10k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $92k; list at $190k implies a 107% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $184,300 (3.0% below list)

Questions for the listing agent

1. It's been on market 57 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.34% ✓
• Cap rate: 11.76%
• Cash-on-cash: 19.52%
• DSCR: 1.87
• GRM: 6.2

CMA / ARV

• ARV (on-the-fly): $247,000
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
601 NE 11th St	0.26mi	3/2.0	1,640 (+1%)	13mo	$250,000	$152	75
451 NE 11th St	0.36mi	4/2.0 (+1)	1,428 (-12%)	3mo	$235,000	$165	55
3555 N Turkey Oak Dr	0.53mi	3/2.0	1,546 (-5%)	15mo	$265,000	$171	54
745 NE 5th Ter	0.57mi	4/2.0 (+1)	1,680 (+3%)	16mo	$130,000	$77	49
1005 NE 4th Ave	0.44mi	3/2.0	1,384 (-15%)	16mo	$135,000	$98	42
750 NE 2nd Ave	0.74mi	4/3.0 (+1)	1,681 (+3%)	12mo	$252,000	$150	41

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -1.3%
• Equity multiple: 0.95×
• Total profit: $-2,642
• Equity at exit: $28,330

10-year hold

• IRR: 8.5%
• Equity multiple: 1.65×
• Total profit: $34,493
• Equity at exit: $16,428

Cash invested: $53,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 34428

• Home prices YoY: -15.3%
• Active inventory: 320
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $2,547 medium
• Mortgage (P&I): −$996
• Tax from tax record: −$71 /mo · $856/yr
• Insurance: −$79
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$535
• Net cashflow: $439

Break-even live

Break-even rent $1,992

Max offer price $190,000

Occupancy floor 78%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1328 NE 5th Ave Crystal River, FL	3.0	2.0	1946	$2,000	$1.03	21d	1	0.30mi
1004 SE 5th Ave Crystal River, FL	3.0	2.5	2114	$3,500	$1.66	21d	1	1.40mi

Listing history 32 events

1. 2026-06-19
   days on market $190,000 Active 57 DOM
2. 2026-06-18
   days on market $190,000 Active 56 DOM
3. 2026-06-17
   days on market $190,000 Active 55 DOM
4. 2026-06-16
   days on market $190,000 Active 54 DOM
5. 2026-06-15
   days on market $190,000 Active 53 DOM
6. 2026-06-14
   days on market $190,000 Active 51 DOM
7. 2026-06-13
   days on market $190,000 Active 50 DOM
8. 2026-06-09
   days on market $190,000 Active 47 DOM
9. 2026-06-08
   days on market $190,000 Active 46 DOM
10. 2026-06-07
    days on market $190,000 Active 45 DOM
11. 2026-06-03
    days on market $190,000 Active 41 DOM
12. 2026-06-02
    days on market $190,000 Active 40 DOM
13. 2026-06-01
    days on market $190,000 Active 39 DOM
14. 2026-05-31
    days on market $190,000 Active 38 DOM
15. 2026-05-30
    days on market $190,000 Active 37 DOM
16. 2026-05-14
    price $190,000 2487-char remark

    Show marketing remark (2640 chars)

    Charming farmhouse-style home on a corner lot with a metal roof, inviting front porch, and a spacious backyard complete with a greenhouse, large matching shed, and mature trees--perfectly located just steps from Crystal River High School. This 3-bedroom, 2-bath home offers a flexible layout, unique character, and a one-car garage with workshop for added functionality. From the moment you arrive, the home's red exterior, stone accent wall, and covered front porch create a welcoming first impression, offering the perfect spot for a table and chairs to enjoy the outdoors. A glass-paneled front storm door allows you to let in natural light while keeping the interior cool and comfortable. Inside, the living room features plush, well-maintained carpeting, a built-in bookcase, and a large front-facing window that brings in natural light. A high wall cutout near the ceiling connects visually to the kitchen, adding architectural interest while maintaining privacy between spaces. The dining area sits just beyond and features sliding glass doors that open to the rear patio, creating an easy indoor-outdoor flow. The kitchen offers decorative linoleum flooring, a mix of white upper cabinetry and coordinating lower cabinets, and a double sink positioned beneath a window overlooking the backyard. A combination of stone and tile backsplash adds texture and charm to the space. Just off the dining area, a large flex room provides so many options-currently used as an office, it features wood-paneled walls, multiple windows, matching carpet, and even a second refrigerator that conveys. The primary suite includes terrazzo flooring, multiple windows, a walk-in closet, and an ensuite bathroom with a step-in shower and single vanity. Two additional bedrooms also feature terrazzo floors, built-in closets, and natural light, while the guest bathroom showcases vintage charm with retro pink tile, a coordinating sink, a tub/shower combo with sliding glass doors, and a unique folding mirror. Additional highlights include an interior laundry room with the water heater and electrical panel, a security system, and a one-car garage equipped with built-in shelving and a dedicated workshop area. Step outside to enjoy the backyard, where you'll find a patio for relaxing or entertaining, a greenhouse for gardening enthusiasts, and a large storage shed that matches the home. A chain-link fence lines the rear of the property, and the corner lot provides added space and privacy. With its character, functionality, and unbeatable location within walking distance to Crystal River High School, this home offers both convenience and charm.

17. 2026-05-14
    price $190,000 2640-char remark

    Show marketing remark (2640 chars)

    Charming farmhouse-style home on a corner lot with a metal roof, inviting front porch, and a spacious backyard complete with a greenhouse, large matching shed, and mature trees--perfectly located just steps from Crystal River High School. This 3-bedroom, 2-bath home offers a flexible layout, unique character, and a one-car garage with workshop for added functionality. From the moment you arrive, the home's red exterior, stone accent wall, and covered front porch create a welcoming first impression, offering the perfect spot for a table and chairs to enjoy the outdoors. A glass-paneled front storm door allows you to let in natural light while keeping the interior cool and comfortable. Inside, the living room features plush, well-maintained carpeting, a built-in bookcase, and a large front-facing window that brings in natural light. A high wall cutout near the ceiling connects visually to the kitchen, adding architectural interest while maintaining privacy between spaces. The dining area sits just beyond and features sliding glass doors that open to the rear patio, creating an easy indoor-outdoor flow. The kitchen offers decorative linoleum flooring, a mix of white upper cabinetry and coordinating lower cabinets, and a double sink positioned beneath a window overlooking the backyard. A combination of stone and tile backsplash adds texture and charm to the space. Just off the dining area, a large flex room provides so many options-currently used as an office, it features wood-paneled walls, multiple windows, matching carpet, and even a second refrigerator that conveys. The primary suite includes terrazzo flooring, multiple windows, a walk-in closet, and an ensuite bathroom with a step-in shower and single vanity. Two additional bedrooms also feature terrazzo floors, built-in closets, and natural light, while the guest bathroom showcases vintage charm with retro pink tile, a coordinating sink, a tub/shower combo with sliding glass doors, and a unique folding mirror. Additional highlights include an interior laundry room with the water heater and electrical panel, a security system, and a one-car garage equipped with built-in shelving and a dedicated workshop area. Step outside to enjoy the backyard, where you'll find a patio for relaxing or entertaining, a greenhouse for gardening enthusiasts, and a large storage shed that matches the home. A chain-link fence lines the rear of the property, and the corner lot provides added space and privacy. With its character, functionality, and unbeatable location within walking distance to Crystal River High School, this home offers both convenience and charm.

18. 2026-05-14
    price $190,000

    Show marketing remark (2640 chars)

    Charming farmhouse-style home on a corner lot with a metal roof, inviting front porch, and a spacious backyard complete with a greenhouse, large matching shed, and mature trees--perfectly located just steps from Crystal River High School. This 3-bedroom, 2-bath home offers a flexible layout, unique character, and a one-car garage with workshop for added functionality. From the moment you arrive, the home's red exterior, stone accent wall, and covered front porch create a welcoming first impression, offering the perfect spot for a table and chairs to enjoy the outdoors. A glass-paneled front storm door allows you to let in natural light while keeping the interior cool and comfortable. Inside, the living room features plush, well-maintained carpeting, a built-in bookcase, and a large front-facing window that brings in natural light. A high wall cutout near the ceiling connects visually to the kitchen, adding architectural interest while maintaining privacy between spaces. The dining area sits just beyond and features sliding glass doors that open to the rear patio, creating an easy indoor-outdoor flow. The kitchen offers decorative linoleum flooring, a mix of white upper cabinetry and coordinating lower cabinets, and a double sink positioned beneath a window overlooking the backyard. A combination of stone and tile backsplash adds texture and charm to the space. Just off the dining area, a large flex room provides so many options-currently used as an office, it features wood-paneled walls, multiple windows, matching carpet, and even a second refrigerator that conveys. The primary suite includes terrazzo flooring, multiple windows, a walk-in closet, and an ensuite bathroom with a step-in shower and single vanity. Two additional bedrooms also feature terrazzo floors, built-in closets, and natural light, while the guest bathroom showcases vintage charm with retro pink tile, a coordinating sink, a tub/shower combo with sliding glass doors, and a unique folding mirror. Additional highlights include an interior laundry room with the water heater and electrical panel, a security system, and a one-car garage equipped with built-in shelving and a dedicated workshop area. Step outside to enjoy the backyard, where you'll find a patio for relaxing or entertaining, a greenhouse for gardening enthusiasts, and a large storage shed that matches the home. A chain-link fence lines the rear of the property, and the corner lot provides added space and privacy. With its character, functionality, and unbeatable location within walking distance to Crystal River High School, this home offers both convenience and charm.

19. 2026-04-23
    listed $200,000 Active 2487-char remark

    Show marketing remark (2640 chars)

    Charming farmhouse-style home on a corner lot with a metal roof, inviting front porch, and a spacious backyard complete with a greenhouse, large matching shed, and mature trees--perfectly located just steps from Crystal River High School. This 3-bedroom, 2-bath home offers a flexible layout, unique character, and a one-car garage with workshop for added functionality. From the moment you arrive, the home's red exterior, stone accent wall, and covered front porch create a welcoming first impression, offering the perfect spot for a table and chairs to enjoy the outdoors. A glass-paneled front storm door allows you to let in natural light while keeping the interior cool and comfortable. Inside, the living room features plush, well-maintained carpeting, a built-in bookcase, and a large front-facing window that brings in natural light. A high wall cutout near the ceiling connects visually to the kitchen, adding architectural interest while maintaining privacy between spaces. The dining area sits just beyond and features sliding glass doors that open to the rear patio, creating an easy indoor-outdoor flow. The kitchen offers decorative linoleum flooring, a mix of white upper cabinetry and coordinating lower cabinets, and a double sink positioned beneath a window overlooking the backyard. A combination of stone and tile backsplash adds texture and charm to the space. Just off the dining area, a large flex room provides so many options-currently used as an office, it features wood-paneled walls, multiple windows, matching carpet, and even a second refrigerator that conveys. The primary suite includes terrazzo flooring, multiple windows, a walk-in closet, and an ensuite bathroom with a step-in shower and single vanity. Two additional bedrooms also feature terrazzo floors, built-in closets, and natural light, while the guest bathroom showcases vintage charm with retro pink tile, a coordinating sink, a tub/shower combo with sliding glass doors, and a unique folding mirror. Additional highlights include an interior laundry room with the water heater and electrical panel, a security system, and a one-car garage equipped with built-in shelving and a dedicated workshop area. Step outside to enjoy the backyard, where you'll find a patio for relaxing or entertaining, a greenhouse for gardening enthusiasts, and a large storage shed that matches the home. A chain-link fence lines the rear of the property, and the corner lot provides added space and privacy. With its character, functionality, and unbeatable location within walking distance to Crystal River High School, this home offers both convenience and charm.

20. 2026-04-23
    listed $200,000 Active 2640-char remark

    Show marketing remark (2640 chars)

    Charming farmhouse-style home on a corner lot with a metal roof, inviting front porch, and a spacious backyard complete with a greenhouse, large matching shed, and mature trees--perfectly located just steps from Crystal River High School. This 3-bedroom, 2-bath home offers a flexible layout, unique character, and a one-car garage with workshop for added functionality. From the moment you arrive, the home's red exterior, stone accent wall, and covered front porch create a welcoming first impression, offering the perfect spot for a table and chairs to enjoy the outdoors. A glass-paneled front storm door allows you to let in natural light while keeping the interior cool and comfortable. Inside, the living room features plush, well-maintained carpeting, a built-in bookcase, and a large front-facing window that brings in natural light. A high wall cutout near the ceiling connects visually to the kitchen, adding architectural interest while maintaining privacy between spaces. The dining area sits just beyond and features sliding glass doors that open to the rear patio, creating an easy indoor-outdoor flow. The kitchen offers decorative linoleum flooring, a mix of white upper cabinetry and coordinating lower cabinets, and a double sink positioned beneath a window overlooking the backyard. A combination of stone and tile backsplash adds texture and charm to the space. Just off the dining area, a large flex room provides so many options-currently used as an office, it features wood-paneled walls, multiple windows, matching carpet, and even a second refrigerator that conveys. The primary suite includes terrazzo flooring, multiple windows, a walk-in closet, and an ensuite bathroom with a step-in shower and single vanity. Two additional bedrooms also feature terrazzo floors, built-in closets, and natural light, while the guest bathroom showcases vintage charm with retro pink tile, a coordinating sink, a tub/shower combo with sliding glass doors, and a unique folding mirror. Additional highlights include an interior laundry room with the water heater and electrical panel, a security system, and a one-car garage equipped with built-in shelving and a dedicated workshop area. Step outside to enjoy the backyard, where you'll find a patio for relaxing or entertaining, a greenhouse for gardening enthusiasts, and a large storage shed that matches the home. A chain-link fence lines the rear of the property, and the corner lot provides added space and privacy. With its character, functionality, and unbeatable location within walking distance to Crystal River High School, this home offers both convenience and charm.

21. 2026-04-23
    listed $200,000 Active

    Show marketing remark (2640 chars)

    Charming farmhouse-style home on a corner lot with a metal roof, inviting front porch, and a spacious backyard complete with a greenhouse, large matching shed, and mature trees--perfectly located just steps from Crystal River High School. This 3-bedroom, 2-bath home offers a flexible layout, unique character, and a one-car garage with workshop for added functionality. From the moment you arrive, the home's red exterior, stone accent wall, and covered front porch create a welcoming first impression, offering the perfect spot for a table and chairs to enjoy the outdoors. A glass-paneled front storm door allows you to let in natural light while keeping the interior cool and comfortable. Inside, the living room features plush, well-maintained carpeting, a built-in bookcase, and a large front-facing window that brings in natural light. A high wall cutout near the ceiling connects visually to the kitchen, adding architectural interest while maintaining privacy between spaces. The dining area sits just beyond and features sliding glass doors that open to the rear patio, creating an easy indoor-outdoor flow. The kitchen offers decorative linoleum flooring, a mix of white upper cabinetry and coordinating lower cabinets, and a double sink positioned beneath a window overlooking the backyard. A combination of stone and tile backsplash adds texture and charm to the space. Just off the dining area, a large flex room provides so many options-currently used as an office, it features wood-paneled walls, multiple windows, matching carpet, and even a second refrigerator that conveys. The primary suite includes terrazzo flooring, multiple windows, a walk-in closet, and an ensuite bathroom with a step-in shower and single vanity. Two additional bedrooms also feature terrazzo floors, built-in closets, and natural light, while the guest bathroom showcases vintage charm with retro pink tile, a coordinating sink, a tub/shower combo with sliding glass doors, and a unique folding mirror. Additional highlights include an interior laundry room with the water heater and electrical panel, a security system, and a one-car garage equipped with built-in shelving and a dedicated workshop area. Step outside to enjoy the backyard, where you'll find a patio for relaxing or entertaining, a greenhouse for gardening enthusiasts, and a large storage shed that matches the home. A chain-link fence lines the rear of the property, and the corner lot provides added space and privacy. With its character, functionality, and unbeatable location within walking distance to Crystal River High School, this home offers both convenience and charm.

22. 2026-04-10
    historical
23. 2026-02-17
    price $209,900
24. 2026-02-17
    price $209,900
25. 2026-02-09
    price $219,900
26. 2026-02-09
    price $219,900
27. 2026-01-26
    price $229,900
28. 2026-01-26
    price $229,900
29. 2026-01-04
    price $234,900
30. 2026-01-04
    price $234,900
31. 2025-10-10
    listed $239,900 Active
32. 2019-12-19
    soldstatus $92,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $856 · $71/mo
• Projected year-2 tax: $1,577 · $131/mo
• Expected delta: +$721/yr (+$60/mo · 84.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 26 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,565
• − Mortgage interest: −$10,643
• − Property taxes: −$856
• − Insurance: −$6,068
• − Repairs & maintenance: −$2,445
• − Management: −$2,445
• − Depreciation: −$5,527
• Taxable income: $2,580
• Est. tax owed @ 24.0%: −$619
• After-tax cash flow: $4,646/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Citrus
• NCES district ID: 1200270
• Math proficiency: 49% ▼ -10.00%
• Reading proficiency: 50% ▼ -6.00%
• Median HH income: $38,618
• Composite: 41.28/100
• National rank: #3519
• State rank: #44 of 73 in FL

Livability — Crystal River

• Score: 66/100
• State rank: #603
• US rank: #11564

Category grades

Amenities F Commute F Cost of living A+ Crime A+ Employment F Housing B- Health & safety C- User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Crystal River, FL
• County: Citrus County · 111,314 people
• City population: 10,163
• Metro: Homosassa Springs, FL
• Population (ZIP): 10,163
• Household income: $50,779
• Rent vs Own: 22.8% rent · 77.2% own
• Severe rent burden: 264.0

Population outlook (Citrus County) Hauer SSP2

• Today (2025): 138,622 people
• By 2030: 136,886 · -1.3%
• By 2040: 132,009 · -4.8%
• By 2050: 125,196 · -9.7%
• By 2075: 108,570 · -21.7%
• By 2100: 84,454 · -39.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Two or more races 6% Hispanic / Latino 5% Asian 2%
• Common ancestry: Lithuanian 3% Romanian 3% Slovak 2%
• Foreign-born: 5% · Canada, Jamaica, South Korea
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Citrus

• 2024 margin: Solid R (+45.9) · D 26.8% · R 72.6%
• 2008→2024 swing: -29.8pp toward R · 2008: -16.1pp · 2024: -45.9pp
• All cycles: 2024: R+45.9 2020: R+41.0 2016: R+39.7 2012: R+21.9 2008: R+16.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -57.32%
• Current HPI: 317.7637
• Rent YoY: —
• Metro: Homosassa Springs, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+106.5% since first listed

17 events — show timeline

• 2026-05-14 Price Changed $190,000 RACC
• 2026-05-14 Price Changed $190,000 HCAR
• 2026-05-14 Price Changed $190,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-23 Listed $200,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-23 Listed $200,000 HCAR
• 2026-04-23 Listed $200,000 RACC
• 2026-04-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-02-17 Price Changed $209,900 RACC
• 2026-02-17 Price Changed $209,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-09 Price Changed $219,900 RACC
• 2026-02-09 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-26 Price Changed $229,900 RACC
• 2026-01-26 Price Changed $229,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-04 Price Changed $234,900 RACC
• 2026-01-04 Price Changed $234,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-10 Listed $239,900 Stellar MLS as Distributed by MLS Grid
• 2019-12-19 Sold (Public Records) $92,000 Public Records

Property tax history

-0.3%/yr

Latest (2025): $856 · +4.8% YoY. Source: county tax records.