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1128 N Circle Dr, Crystal River, FL, 34429

4beds
3baths
3,063sqft
$2,999,000
$979price/sqft
$20,809/moest. monthly cost
$832,360/yrincome needed

About This Home

Stunning Mediterrean Villa on 2 spectcular lots directly on the Crystal River! 2 Primary suites - 4 bedrooms, 3 baths, stunning marble floors - pool - can be used as a vacation rental. Owner states income last year of $168,000. 3 car garage - tons of pavers- NEVER Flooded - Either a Forever Dream Home or a Great Investment -- You can't go wrong with this one!

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

5/10
4/10
4/10
Crystal River High SchoolGrades PK,9-122.3 mi

Construction

Condition

  • Year built: 1991

Materials

  • Foundation: Block,Stem Wall
  • Roof: Tile
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Multi-Level,Split Level
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Oven,Dryer,Dishwasher,Electric Cooktop,Microwave,Washer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Cooling

  • Cooling features: Central Air

Features

  • Eat-in Kitchen,Fireplace,Main Level Primary,Stone Counters,Solid Surface Counters,Walk-In Closet(s),French Door(s)/Atrium Door(s),Sliding Glass Door(s)
  • Door features: French Doors,Sliding Doors
  • Flooring: Tile,Wood
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Interior Area

  • Total structure area: 4,266
  • Total interior livable area: 3,063 sqft

Master Bedroom

  • Features: Walk-In Closet(s),Primary Suite

Property

Details

  • Parcel number: 1101751
  • Zoning: CLR
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Pool features: Concrete,Indoor,Pool
  • Exterior features: Landscaping,Paved Driveway
  • Has spa: Yes
  • Spa features: In Ground
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Boat Dock/Slip,Seawall,Canal Access,River Front,Waterfront
  • Frontage type: Canal,River
  • Frontage length: 150,150

Lot

  • Lot size: 0.48 Acres
  • Features: Cleared

Parking

  • Total spaces: 3
  • Parking features: Attached,Driveway,Garage,Paved
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • 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
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
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 $15,164$181,968
Home Insurance *$1,611$19,332
Property Taxes $3,726$44,712
Electricity $308$3,699
Total$20,809$249,708
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$713,451/yr
40% on housing$624,270/yr
45% on housing$554,906/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

$979This listing

vs Other Active Listings

Avg $/sqft

ZIP 34429$152
Citrus County$154

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
2026-06-04Price change$2,999,000
2026-03-03Price change$2,899,000
2025-08-28Price change$2,799,000
2025-03-14Listed for sale$2,700,000
2024-02-27Listing removed$1,700,000
2021-11-02Pending sale$1,700,000
2021-08-04Listed for sale$1,700,000
2020-08-07Sold$1,300,000
2020-07-08Pending sale$1,439,000
2020-05-18Price change$1,439,000
2020-03-05Price change$1,449,000
2019-12-10Price change$1,475,000
2019-11-20Listed for sale$1,575,000
2019-02-25Listing removed$1,595,000
2019-02-23Listed for sale$1,595,000
2018-08-14Sold$300,000

For Sale by Agent

AgentStephen Latiff
BrokerageERA American Suncoast Realty

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