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13465 W Hillbilly Ln, Crystal River, FL, 34429

5beds
3baths
1,540sqft
$410,000
$266price/sqft
$2,790/moest. monthly cost
$111,600/yrincome needed

About This Home

Amazing opportunity! Fully furnished and move in ready. What you see is what you get! All beds, pictures, lights, tvs, decor applicances and more! EVERYTHING STAYS. The quiet fishing town of Ozello! High and dry and main home never flooded this is a dream come true. Main residence offers 3 bedrooms and 2 full baths. But wait...Walk into all season porch with vinyl windows with views of canal, boat ramp and boat dock. Large dining room walks to open kitchen area. Living room has ceiling fan, blinds, built in cabinets, breakfast bar and kitchen features granite countertops with island, lots of cabinets with pull out pantry shelves, side by side fridge, dishwasher, double sink, oven and cook top with vent hood. Inside laundry with stackable washer and dryer, microwave, coffee bar and deep freezer. Continue thru to full size bath offering jetted, deep soaking tub. Large bedroom with Murphy Bed, and closet. Nice Florida Room with door to walk around porch. Hall bath divides both bedrooms with walk in oversized shower. Exterior features one car garage, covered carport, exterior shed on corner lot. BONUS is the little guest cottage with two additional bedrooms and a full bath with walk in shower. So total of 5 bedrooms and three full baths. This little Key West style cottage is perfect for overnight guests, in-laws, or even an income producing property! With no deed restrictions it's perfect for an Airbnb, Bed and Breakfast or snowbird retreat. Fisherman and boaters dream! Enjoy all Ozello has to offer with the friendly community church, local restaurants like Backwater Fins, The infamous Island Outpost where the locals hang out or the end of the trail to Old Pecks Port Cove. Lots of nature abounds with manatees, dolphins, otters, water birds and an occasional bald eagle flying overhead and our resident owls. Live life like the locals and enjoy the Florida way of life it one of the last true remaining Old Florida waterfront communities. Walking distance to John Brown Boat ramp. Come check it out. You will fall in love and never leave this quaint little town off the beaten path from the noise. Lots of year round festivities such as the Chili Cookoff, the Art Festival and Blue Crab Festival, Tree lighting festival, Christmas Parade, fishing tournament and oh so much more.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
3/10
4/10
Crystal River High SchoolGrades PK,9-127.2 mi

Construction

Condition

  • Year built: 1962

Materials

  • Foundation: Pillar/Post/Pier,Raised
  • Roof: Metal

Type & Style

  • Home type: SingleFamily
  • Architectural style: Florida
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Washer/Dryer Stacked,Dishwasher,Electric Cooktop,Electric Oven,Freezer,Microwave,Refrigerator,Range Hood,Water Heater,Washer
  • Laundry features: Laundry - Living Area,Stacked

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Breakfast Bar,Bookcases,Bathtub,Furnished,Garden Tub/Roman Tub,In-Law Floorplan,Jetted Tub,Open Floorplan,Pantry,Sitting Area in Primary,Solid Surface Counters,Separate Shower,Tub Shower,Window Treatments
  • Window features: Blinds
  • Flooring: Laminate

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,612
  • Total interior livable area: 1,540 sqft

Property

Details

  • Parcel number: 1009162
  • Zoning: CLRMH
  • Special condition: Standard

Features

  • Pool features: None
  • Patio & porch: Deck,Wood
  • Exterior features: Barbecue,Courtyard,Deck
  • Has spa: Yes
  • Waterfront features: Boat Dock/Slip,Boat Ramp/Lift Access,Gulf Access,Ocean Access,River Access,Canal Access,Gulf,Water Access
  • Frontage type: Canal,Waterfront
  • Topography of land: Varied

Lot

  • Lot size: 0.29 Acres
  • Features: Cleared

Parking

  • Total spaces: 3
  • Parking features: Attached Carport,Detached Carport,Driveway,Detached,Garage,Private,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Strong Wind
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Citrus County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,073$24,876
Home Insurance *$220$2,640
Property Taxes $300$3,600
Electricity $197$2,366
Total$2,790$33,480
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,657/yr
40% on housing$83,700/yr
45% on housing$74,400/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.6%
15.6%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$266This listing

vs Other Active Listings

Avg $/sqft

ZIP 34429$172
Citrus County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 34429$171
Citrus County$169

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-15Price change$425,000
2025-12-06Listed for sale$445,900
2025-12-01Listing removed$450,000
2025-10-06Price change$450,000
2025-05-23Listed for sale$475,000
2004-03-29Sold$140,000
2000-04-18Sold$70,000

For Sale by Agent

AgentKathi Anderson-Moore
BrokerageThe Holloway Group

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