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3817 N Calusa Point, Crystal River, FL, 34428

3beds
2baths
1,728sqft
$905,000
$524price/sqft
$5,704/moest. monthly cost
$228,160/yrincome needed

About This Home

Spectacular 3/2 "stilt elevated" waterfront home with 1728 sq ft of high and dry upper-floor living area. Brand new AC unit just installed 1/27/2026. This beautiful house and property is located on a quiet cul de sac with over 150 feet of deep freshwater canal/creek frontage on two sides of the lot. The upper floor features high 9' plus ceilings, large water-front view windows, a spacious living room with fireplace, a dining area and open kitchen, and wood and tile floors throughout the home. This house is "move in ready," and furnishings are optional. Downstairs boasts a fully enclosed extra-large (nearly 800 sq feet) heated and air conditioned garage that may be used for vehicle parking, with enough extra space for 'toy" storage, extra entertainment space, or a workshop. A separate finished and enclosed space is included off the garage. There is a beautiful heated saltwater pool with a large screen-enclosed lanai for entertaining guests or simply for owner enjoyment. Pool equipment recently updated. The yard and grounds of this home are must-see with beautiful palm trees, a gorgeous lawn, and bloom-filled plants and shrubbery. A newly installed irrigation system assures easy continued lawn and landscape maintenance and beauty. The stone firepit with rock-bedded and landscaped sitting area offers amazing views of the water and the state park wildlife area across the canal. For the river and water lovers, there is direct and easy access to the world-famous Crystal River springs and the Gulf via a short boat ride or kayak paddle. The large fixed dock (12' x 40 ft) is outfitted with 2 boat lifts -- one suitable for a mid-size boat (6000 lbs) and another for jet-skis or other small PWC (3000 lbs) -- and a kayak rack. This home is located adjacent to several state park wildlife areas with ample opportunities for manatee, bird, and wildlife viewing as well as access to world-class near-shore and offshore fishing. Miles of biking and hiking trails are also located nearby on adjacent park lands. This property is also within biking distance to downtown Crystal River with its beautiful historic district, quaint shopping area, and waterfront restaurants and taverns. This is a great "retirement," vacation, or permanent home suitable for outdoor enthusiasts and those seeking all the wonderful amenities that Florida coastal living offers. Located in the highly desirable Indian Woods development, the house is just outside the city limits; therefore, it may be used as a short-term or long-term vacation rental by the owner for his/her guests. The elevated high-and-dry living area offers protection from flooding in the event of a hurricane surge. Current flood insurance is "assumable" and boasts a reasonable and very affordable premium at $996/yr. Current homeowner's insurance policy is $2,694/yr. Schedule your showing of this immaculate and spectacularly beautiful property today!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
3/10
4/10
Crystal River High SchoolGrades PK,9-122.7 mi

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Slab,Raised
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Coastal,Custom,Elevated
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: Inside

Bathroom1

  • Features: Linen Closet
  • Level: Upper
  • Area: 121
  • Dimensions: 11x11

Bedroom1

  • Features: Built-in Closet
  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: No Closet
  • Level: Upper
  • Area: 195
  • Dimensions: 15x13

Features

  • Ceiling Fan(s),High Ceilings,Living Room/Dining Room Combo,Primary Bedroom Main Floor,Stone Counters,Walk-In Closet(s)
  • Window features: Window Treatments
  • Flooring: Bamboo,Ceramic Tile,Vinyl
  • Fireplace features: Family Room,Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 3,456
  • Total interior livable area: 1,728 sqft

Kitchen

  • Features: No Closet
  • Level: Upper
  • Area: 144
  • Dimensions: 12x12

Living Room

  • Features: No Closet
  • Level: Upper
  • Area: 225
  • Dimensions: 15x15

Office

  • Features: No Closet
  • Level: Upper
  • Area: 132
  • Dimensions: 11x12

Primary Bathroom

  • Features: Linen Closet
  • Level: Upper
  • Area: 72
  • Dimensions: 8x9

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Upper
  • Area: 255
  • Dimensions: 15x17

Property

Details

  • Parcel number: 17E18S17023A000000690
  • Zoning: CLR
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Chlorine Free,Gunite,Heated,In Ground,Pool Sweep,Salt Water,Screen Enclosure
  • Patio & porch: Front Porch,Rear Porch,Screened
  • Exterior features: Irrigation System,Private Mailbox
  • Fencing: Vinyl
  • Has view: Yes
  • View description: Water,Canal
  • Has water view: Yes
  • Water view: Water,Canal
  • On waterfront: Yes
  • Waterfront features: Canal - Brackish,Brackish Water Access,Brackish Canal Access,Gulf/Ocean Access,River Access,Lift,Riprap
  • Residential vegetation: Trees/Landscaped

Lot

  • Lot size: 0.32 Acres
  • Features: Cul-De-Sac
  • Lot size dimensions: 123 x 118

Parking

  • Total spaces: 4
  • Parking features: Driveway,Garage Door Opener,Ground Level,Oversized
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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 $4,576$54,912
Home Insurance *$456$5,472
Property Taxes $475$5,700
Electricity $197$2,366
Total$5,704$68,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$195,565/yr
40% on housing$171,120/yr
45% on housing$152,106/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

$524This listing

vs Other Active Listings

Avg $/sqft

ZIP 34428$172
Citrus County$155

vs Homes Sold Last Month

Median $/sqft

ZIP 34428$177
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
2026-05-01Price change$905,000
2026-02-17Price change$909,000
2025-10-20Price change$919,000
2025-09-09Price change$929,000
2025-08-08Price change$939,000
2025-07-21Price change$949,000
2025-07-10Price change$959,000
2025-07-01Price change$969,000
2025-06-20Listed for sale$979,000
2023-08-11Sold$905,000
2023-06-11Pending sale$949,900
2023-03-28Listed for sale$949,900

For Sale by Agent

AgentDiana O'Keefe
BrokerageXCELLENCE

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