Beds
4
Baths
3
Sq Ft
2,530 sq ft
Year Built
2002
Lot Size
0.25 acres
Garage
2
About This Property
Experience Gulf Coast lifestyle in this elevated custom waterfront home offering deep water, direct Gulf access—perfect for boating enthusiasts and nature lovers alike. With 4 spacious bedrooms and 3 full baths, this home is designed for both comfort and flexibility. The three-story layout includes covered parking for 2 vehicles and an expansive lower-level area with a tackle room complete with ice machine hookups and extra storage, plus a huge space ideal for a workshop, hobby area, or even conversion into additional indoor/outdoor space. A sturdy dumbwaiter makes it easy to transport groceries or gear upstairs. On the main floor, you’ll find a welcoming living space with custom built-ins and an inviting screened porch overlooking the water—perfect for relaxing and entertaining. The primary suite features an electric fireplace and large ensuite. All bedrooms are generously sized, offering plenty of room for family and guests. The fenced backyard is a true Florida retreat, complete with mature fruit trees, a ground-level deck, firepit, and hammock area. Boaters will love the 75 feet of dock space with room for two large boats, a rip-rap concrete seawall, floating dock with water and 30-amp power, a fish-cleaning station, and easy access to a nearby boat ramp. Currently operating as a successful short-term rental, this home also offers the opportunity to continue as an income-producing property—all contents are negotiable for a turnkey setup. Best of all, there are no deed restrictions, giving you the freedom to use it however you choose.
Property Overview
Interior Features
Exterior & Lot
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From Crystal River head north on Hwy 19 to left on 19th st to right on N Suwanee Pt. Home will be on the right.
Location
3625 N SUWANNEE POINT, CRYSTAL RIVER, FL 34428
Listing Information
Schedule a Showing
How to Buy This Home
Multiple financing options available for this $895,000 home in CRYSTAL RIVER.
🏛️
FHA Loan
$31,325 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
$44,750 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
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.
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: May 21, 2026.