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A true deep-water canal residence with personal dock and direct Gulf access in one of Crystal River’s most sought after Waterfront community. This 3-bedroom, 2-bath home offers a rare combination of waterfront lifestyle, boating convenience, and flexible ownership appeal. Positioned on a quiet canal with easy access to Kings Bay, Crystal River springs, and the Gulf of Mexico, the property delivers an ownership experience centered on water access rather than just water views. The personal dock accommodates vessels up to approximately 30 feet, making boating, fishing, kayaking, and sunset canal living part of everyday life. Inside, the home offers a comfortable, functional layout designed for easy living rather than showpiece staging. The open living area flows naturally into the kitchen, which features modern appliances, ample cabinetry, and a layout well suited for everyday use or hosting guests. The split bedroom design provides privacy and flexibility, including two queen bedrooms and a third bunk-style bedroom. Outdoor living is a defining feature, with a shaded pergola, multiple seating and dining areas, fire pit, propane grill, and a fully fenced backyard excellent for pets and family use. Wildlife sightings including manatees, turtles, and coastal birds are common along the canal. Located approximately three miles from historic downtown Crystal River, the property offers convenient access to restaurants, shopping, parks, and the region’s renowned springs and waterways. Parking easily accommodates multiple vehicles, a boat trailer, or RV. While the home has operated successfully as a short-term rental, it is positioned foremost as a waterfront lifestyle asset offering income flexibility without sacrificing personal use or long-term enjoyment. Ideal as a primary residence, second home, or hybrid lifestyle investment in one of Crystal River’s most desirable deep-water canal settings.
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Our Executive Mortgage Banker:
Our Insurance Division:
$525,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $420,000 | $420,000 | $420,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 5.875% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.112% | 6.520% | 5.415% |
| Monthly Tax Payment | $411 | $411 | $411 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,319 | $2,484 | $3,349 |
| Total Monthly Payment | $2,822 | $2,987 | $3,852 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.