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$519,900

3619 N SUWANNEE POINT, CRYSTAL RIVER, FL 34428

Active71 days on market

Beds

3

Baths

2

Sq Ft

1,444 sq ft

Year Built

1972

Lot Size

0.25 acres

Garage

2

About This Property

Turnkey Crystal River waterfront vacation rental producing approximately $72,000 in gross rental income from March 2025 through March 2026. Offered fully equipped and ready for continued rental use, this 3-bedroom, 2-bath deep-water canal home provides an opportunity to step into an established income-producing property without the typical upfront work of furnishing, updating, and preparing a vacation rental. Furnishings, kayaks, appliances, and extensive guest-ready amenities are already in place, and a 1-year home warranty is included. The property is positioned around one of Crystal River’s biggest rental draws: direct waterfront access and the outdoor lifestyle guests come here to experience. The private dock can accommodate a boat up to approximately 30 feet and provides direct access to Kings Bay, with the Gulf of America approximately a 10-minute boat ride away. Guests can launch the kayaks right from the property, explore Kings Bay, encounter manatees, dolphins, and native wildlife, visit Three Sisters Springs and Hunter Springs, or spend the day boating and fishing for redfish, trout, snook, mangrove snapper, and offshore species. The location also gives vacation renters access to waterfront dining and entertainment without getting in the car. Popular destinations such as Crackers and the Tipsy Tarpon are accessible by boat, while Shell Island, public reefs, springs, and some of the area’s best boating and fishing are all within easy reach. Major improvements have already been completed, helping reduce the immediate capital expenditures often associated with acquiring a rental property. Updates include a 2023 roof, updated air conditioning and water heater, full plumbing repipe, sewer conversion, remodeled kitchen and bathrooms, new appliances, updated furnishings, and refreshed interior and exterior finishes. The open interior layout transitions into a fully fenced backyard designed for guest enjoyment, with a shaded pergola, fire pit, grill area, outdoor dining spaces, and direct access to the canal. The combination of waterfront access, boating, kayaking, fishing, wildlife, springs, and an established rental history gives this property multiple features that help attract Crystal River vacationers. Whether the goal is to continue operating it as a furnished vacation rental, use it as a second home that generates income when not in use, or simply own a waterfront retreat with proven rental performance, this property offers a rare combination of location, amenities, completed improvements, and approximately $72,000 in documented gross rental revenue over the referenced 12-month period.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #OM728967
StatusActive
Year Built1972
Total Rooms3
ConstructionBlock
RoofShingle
FoundationSlab
FacesNorthwest
SubdivisionINDIAN WATERS UNIT 02
CountyCitrus
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Thermostat
FlooringCeramic Tile
AppliancesConvection Oven, Dishwasher, Dryer, Microwave, Refrigerator, Washer
LaundryIn Garage
WindowsBlinds
CoolingCentral Air
HeatingHeat Pump

Exterior & Lot

ExteriorFire Pit, Lighting, Private Mailbox
FencingFenced
Lot Size0.25 acres (10,934 sq ft)
Lot FeaturesFloodZone, In County, Level, Near Golf Course, Near Marina
Road SurfacePaved
ViewWater
0

Waterfront

WaterfrontYes
FeaturesCanal - Brackish

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$519,900
Annual Taxes$4,932 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningCLR
Parcel #17E18S170220000D00430

Schools

ElementaryCrystal River Primary School
MiddleCrystal River Middle School
HighCrystal River High School

Directions

from hwy 98 turn left onto NW 19th st, and then turn right on Suwannee point home is on the right.

Location

3619 N SUWANNEE POINT, CRYSTAL RIVER, FL 34428

Listing Information

OfficeRE/MAX PREMIER REALTY
ListedJuly 21, 2026

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Home Price

$519,900

20% ($103,980)
6.75%

Loan Term

Principal & Interest$2,698
Property Tax (est.)$477
Insurance (est.)$150
Total Monthly$3,324
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $519,900 home in CRYSTAL RIVER.

🏛️

FHA Loan

$18,197 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$25,995 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Citrus County SHIP

Varies

Income-qualifying Citrus residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 30, 2026.

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