$595,000
3644 Hiawatha Terrace
Crystal River, FL 34428
Listing updated: April 11, 2026 at 12:43 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage space
Flood zone
About this home
Crystal River WATERFRONT CANAL HOME with PERSONAL DOCK + ~$82K GROSS INCOME + DIRECT GULF ACCESS A rare opportunity to own a top-performing waterfront property in one of Crystal River’s most established boating communities, combining strong income, direct water access, and a clean, turnkey ownership experience. Now operating in its fully updated condition, the home has produced approximately $82,000 in gross rental income over the past 12 months (March 2025–March 2026), offering proven, stabilized performance while still allowing for personal use. Positioned on a quiet canal with direct access to Kings Bay, Three Sisters Springs, and the Gulf of Mexico, the property delivers the lifestyle guests consistently seek. The dock provides immediate boating access, making fishing, scalloping, kayaking, and sunset cruising part of everyday ownership. Kayaks convey, reinforcing a true on-the-water experience. Inside, the home presents as clean, comfortable, and guest-ready, with a functional 3-bedroom, 2-bath layout designed to support both personal enjoyment and strong occupancy. The kitchen features granite countertops, modern appliances, and an efficient layout great for entertaining and everyday use. Major system updates have already been completed, including full repipe, updated AC, water heater, plumbing, and sewer connection, offering buyers confidence in the home’s infrastructure and reducing near-term capital expense risk. Located just minutes from historic downtown Crystal River, waterfront dining, shopping, and the area’s world-renowned springs, the property is ideally positioned to continue attracting short-term rental demand. Whether you're seeking a high-performing short-term rental, a waterfront second home with income potential, or a long-term investment, this property offers a compelling combination of strong revenue, essential updates, and direct Gulf access. High-income waterfront opportunities like this are increasingly rare in Crystal River.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history67 days on market
- Status: ActiveFeb 3, 2026
- Listed$610,000Feb 3, 2026
- Price reduced$595,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 67
- Subdivision
- Indian Waters Unit 02
- County
- Citrus
- Year built
- 1980
- Living area
- 1,680 sq ft
- Price/sq ft
- $354
- Building area
- 2,376 sq ft (Public Records)
- Lot size
- 10,558 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12017C0186E)
- Garage
- 1 spaces
- Annual taxes
- $5,654 (2025)
- Parcel #
- 17E-18S-17-0220-000D0-0350
- Zoning
- CLR
- MLS #
- TB8472132
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Ceramic Tile, Luxury Vinyl
- Appliances
- Convection Oven, Dishwasher, Microwave, Refrigerator
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, High Ceilings, PrimaryBedroom Upstairs, Stone Counters, Thermostat, Walk-In Closet(s)
- Laundry
- In Garage
- Stories / Levels
- Two
- Direction faces
- South
- Fireplace
- Yes
Heating & Cooling
- Heating
- Heat Pump
- Cooling
- Central Air
Parking
- Garage spaces
- 1
- Attached garage
- Yes
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- No
Exterior & Construction
- Exterior features
- Fire Pit, Lighting, Private Mailbox
- Construction materials
- Frame, Wood Siding
- Roof
- Metal
- Foundation
- Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Public, Sewer Connected, Water Connected
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Second | |
| Kitchen | First | |
| Great Room | First |
Listing Details
- Listing date
- 2026-02-03
- On market date
- 2026-02-03
- Original list price
- $610,000
- Occupant type
- Vacant
- MLS area
- 34428 - Crystal River
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-02-03
- Tax legal description
- INDIAN WATERS UNIT 2 PB 4 PG 71 LOT 35 BLK D
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Hwy 19 N, left on 19th St, right on Hiawatha, home on the left
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of April 11, 2026 at 12:43 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA