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171 SW 3rd St, Crystal River, FL, 34429

5beds
2baths
3,709sqft
$1,875,000
$506price/sqft
$13,641/moest. monthly cost
$545,640/yrincome needed

About This Home

Located on the coveted spring-fed headwaters of Crystal River within Kings Bay, home to more than 70 natural springs and world-famous manatee habitat — this waterfront residence sits in 72-degree, crystal-clear waters ideal for year-round boating, diving, paddle sports, and direct Gulf of America access. Offering 5 bedrooms, 2 bathrooms, and 3,709 square feet of enclosed living space, this home has endured decades of coastal weather with NO FLOODING and was built for resilience. Constructed to withstand severe conditions, in 2024 this home was upgraded with 200-mph impact-rated windows and doors, and it delivers both presence and protection. A commanding double-door entry opens into a dramatic interior defined by cathedral ceilings, polished marble and tile flooring, and a 30-foot family room showcasing expansive frame panoramic views of the cove waters frequented by dolphins and manatees throughout the year. The master bedroom overlooks the water and has a luxurious bathroom featuring a wet room with a freestanding tub and deluxe shower head with shower jets designed for a spa-like experience. Additional upgrades include high end Café kitchen appliances, 2 stainless steel cold flow AC units in 2010 and 2012, a gas water heater, generator hookup, RV hookup and the concrete tile roof that has been sealed and recoated to give it many years left of duration. Other features include a full wet bar, bay views and an exterior hardscape that will allow you to escape on your own private sand turfed yard with gazebo, 112 foot of sea wall, private floating dock and easy access to local springs and the gulf. Minutes from the vibrant Downtown Crystal River Entertainment District, this home offers the rare ability to enjoy protected waterfront living while remaining close to waterfront dining, live music, seasonal festivals, and marina access. Whether arriving by boat, golf cart or short walk, the energy of downtown is just moments away blending private cove tranquility with coastal town convenience. This is not just another address, this is a destination you could call your coastal paradise in Florida's Nature coast!

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

5/10
3/10
4/10
Crystal River High SchoolGrades PK,9-121.3 mi

Construction

Condition

  • Year built: 1983

Materials

  • Foundation: Block,Slab
  • Roof: Concrete,Tile,Ridge Vents
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,One Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Some Propane Appliances,Dryer,Dishwasher,Electric Oven,Gas Cooktop,Microwave,Refrigerator,Range Hood,Water Heater,Water Purifier,Washer
  • Laundry features: Laundry - Living Area,Laundry Tub

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Attic,Wet Bar,Breakfast Bar,Bathtub,Cathedral Ceiling(s),Dual Sinks,Eat-in Kitchen,Garden Tub/Roman Tub,Laminate Counters,Primary Suite,Pantry,Pull Down Attic Stairs,Split Bedrooms,Separate Shower,Tub Shower,Walk-In Closet(s),Window Treatments,First Floor Entry,Programmable Thermostat,Sliding Glass Door(s)
  • Door features: Double Door Entry,Sliding Doors
  • Window features: Blinds,Double Pane Windows,Impact Glass
  • Flooring: Luxury Vinyl Plank,Tile
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 4,392
  • Total interior livable area: 3,709 sqft

Property

Details

  • Parcel number: 1997534
  • Zoning: CITY,RW
  • Special condition: Standard,Listed As-Is

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Exterior features: Sprinkler/Irrigation,Landscaping,Concrete Driveway
  • Fencing: Privacy,Vinyl
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Boat Dock/Slip,Gulf Access,Ocean Access,River Access,Seawall,Water Access,Canal Access,Gulf,River Front,Waterfront
  • Frontage type: Canal,River,Waterfront

Lot

  • Lot size: 0.35 Acres
  • Features: Cleared,Rectangular
  • Lot size dimensions: 112 x 1335

Parking

  • Total spaces: 2
  • Parking features: Attached,Concrete,Driveway,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tornado
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 $9,481$113,772
Home Insurance *$1,007$12,084
Property Taxes $2,780$33,360
Electricity $373$4,479
Total$13,641$163,692
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$467,691/yr
40% on housing$409,230/yr
45% on housing$363,760/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

$506This listing

vs Other Active Listings

Avg $/sqft

ZIP 34429$164
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)

No zestimate history available

Price History

DateEventPrice
2026-04-17Price change$1,940,000
2026-03-03Listed for sale$1,999,000
2025-09-01Listing removed$2,250,000
2025-04-12Listed for sale$2,250,000
2006-12-22Sold$320,000

For Sale by Agent

AgentLaWanda Watt, Century 21 J.W.Morton R.E., Elias Kirallah, Century 21 J.W.Morton R.E.
BrokerageCentury 21 J.W.Morton R.E.

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