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$699,000

3840 N CALUSA POINT, CRYSTAL RIVER, FL 34428

3D Tour
Active11 days on market

Beds

3

Baths

2

Sq Ft

2,245 sq ft

Year Built

1979

Lot Size

0.24 acres

Garage

2

About This Property

Virtually Staged. One or more photo(s) has been virtually staged. EXPERIENCE TRUE FLORIDA WATERFRONT LIVING IN THIS FULLY FURNISHED, BEAUTIFULLY RENOVATED POOL HOME WITH PROVEN SHORT-TERM RENTAL SUCCESS, ON A CANAL IN CRYSTAL RIVER! This 3-bedroom, 2-bath home offers over 2,245 sq ft of living area, beautiful renovations, a metal roof, newer windows and sliders, all on an Indian Waters canal with access Crystal River and the Gulf. The remodeled galley kitchen features generous granite counter space, a breakfast bar overlooking the dining room, and a separate coffee bar. The heart of the home is the Great Room (and it truly is GREAT), where a fireplace sits centered between floor-to-ceiling windows, flanked by a wall-to-wall built-in bookcase. The split floor plan puts the massive primary suite on its own side of the home, with a sitting area, walk-in closet, and bright, updated bath, while the guest rooms enjoy their own privacy on the other. Multiple points of access make it easy to move from indoors to the screened porch and heated saltwater pool, all overlooking a tranquil canal with a seawall and floating dock, ready for boating, fishing, and wildlife watching. With no HOA and a location outside city limits, you'll have the flexibility to make this property your own, including continuing its short-term vacation rental use. Offered fully furnished, it's move-in and rental ready, so whether you want a full-time residence, a weekend getaway, or a turnkey investment property, this one checks every box. Garage door replaced in 2018. Metal Roof is 2016. Nature lovers will delight in the unmatched access to Florida’s Nature Coast! Enjoy world-class scalloping, fishing, snorkeling, kayaking, and paddleboarding just minutes from your door. Explore the vibrant local scene with charming shops, restaurants, parks, and year-round community events, all conveniently located. Don’t miss your chance to own this exceptional waterfront retreat in one of Crystal River’s most beloved neighborhoods. Schedule your private showing today and start making unforgettable memories on the water!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8552358
StatusActive
Year Built1979
Stories1
Total Rooms8
ConstructionBlock, Concrete, Stone, Stucco
RoofMetal
FoundationSlab
FacesEast
SubdivisionINDIAN WATERS UNIT 03A
CountyCitrus
OwnershipFee Simple
FurnishedFurnished

Interior Features

InteriorBuilt-in Features, Cathedral Ceiling(s), Ceiling Fan(s), Central Vacuum, Primary Bedroom Main Floor, Solid Wood Cabinets, Split Bedroom, Stone Counters, Walk-In Closet(s), Window Treatments
FlooringCeramic Tile
AppliancesConvection Oven, Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
LaundryIn Garage
WindowsDouble Pane Windows
CoolingCentral Air
HeatingCentral, Electric, Heat Pump
FireplaceYes ()

Exterior & Lot

ExteriorRain Gutters, Shade Shutter(s)
Lot Size0.24 acres (10,544 sq ft)
Lot Dimensions85 x 110
Lot FeaturesFlood Insurance Required, In County, Level
Road SurfacePaved, Asphalt
ViewWater

Pool & Spa

Private PoolYes
Pool FeaturesFiberglass, Heated, In Ground, Salt Water, Screen Enclosure

Waterfront

WaterfrontYes
FeaturesBrackish Water, Canal - Brackish, Canal Front, River Front

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesElectricity Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$699,000
Annual Taxes$7,091 (2025)
FinancingCash, Conventional, VA Loan
ZoningCLR
Parcel #17E18S17023A000000650

Schools

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

Directions

From US 19 in Downtown Crystal River- Travel North on US19 to State Park Road; LEFT on State Park; LEFT on Calusa; Property on RIGHT

Location

3840 N CALUSA POINT, CRYSTAL RIVER, FL 34428

Listing Information

OfficeALEXANDER REAL ESTATE, INC.
ListedSeptember 25, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$699,000

20% ($139,800)
6.75%

Loan Term

Principal & Interest$3,627
Property Tax (est.)$641
Insurance (est.)$150
Total Monthly$4,418
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $699,000 home in CRYSTAL RIVER.

🎖️

VA Loan

$0 Down

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

🏦

Conventional

$34,950 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 26, 2026.

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