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3644 N Hiawatha Terrace, Crystal River, FL 34428

$595,000
  • 3644 N Hiawatha Terrace, Crystal River, FL 34428 Main Photo

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Active Price Reduced by $15,000 on April 11th, 2026
BEDS3 BATHS2 full SQUARE FEET1,680 MLS#TB8472132
STATUSActive PROPERTY TYPEResidential - Single Family SUBDIVISIONINDIAN WATERS

Property Description

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.

3644 N Hiawatha Terrace | MLS# TB8472132

This single family home located at 3644 N Hiawatha Terrace, Crystal River, FL 34428 is currently listed for sale with an asking price of $595,000. This property was built in 1980 and has 3 bedrooms and 2 full baths with 1680 sq. ft. N Hiawatha Terrace is located in the INDIAN WATERS subdivision. Search INDIAN WATERS real estate on www.robbharrison.com today.

Property Features

Property Type: Residential - Single Family
Cooling: Central Air
Fenced: Yes
Garage: 1 car attached
Heating: Heat Pump
Home Style: Traditional
Lot Size: 0.24 Acres
Roof Type: Metal
Stories: 2.0
Taxes: $5,654
Year Built: 1980

Amenities

Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
PrimaryBedroom Upstairs
Stone Counters
Thermostat
Walk-In Closet(s)
Fire Pit
Lighting
Private Mailbox

Feature Descriptions

Appliances: Convection Oven, Dishwasher, Microwave, Refrigerator
Days on Site: 70
Directions: Hwy 19 N, left on 19th St, right on Hiawatha, home on the left
Exterior: Frame, Wood Siding
Fencing: Fenced
Fireplace: Living Room, Wood Burning
Fireplace Y/N: Yes
Flood Zone Code: AE
Flooring: Ceramic Tile, Luxury Vinyl
Foundation: Slab
Frontage Canal Brackish: 84
Home Warranty Y/N: No
Listing Terms: Cash, Conventional, FHA, VA Loan
Lot: FloodZone, In County, Level, Near Golf Course, Near Marina, Paved
Lot Dimensions: 0.24
Other Equipment: Fire Pit
Ownership: Fee Simple
Patio/Porch: Covered, Front Porch, Rear Porch, Screened
Property Attached Y/N: No
Property Sub-Type: Single Family Residence
Sewer: Public Sewer
Showing Instructions: Supra Lock Box, Appointment Only, Call Listing Agent 2
Special Sale Provisions: None
Special View Info: Water
Utilities: Cable Connected, Electricity Connected, Public, Sewer Connected, Water Connected
Vegetation: Mature Landscaping, Trees/Landscaped
Water: Public
Water Access: Canal - Brackish
Water Access Y/N: Yes
Waterfront Features: Canal - Brackish, No Wake Zone, Riprap
Water View: Canal
Zoning: CLR

Local Schools

High School: Crystal River High School
Middle School: Crystal River Middle School
Elementary School: Crystal River Primary School

Listed By / Shown By

Listed By

Agency Name: PLANTATION REALTY, INC.
Agency Contact: 352-795-0784

Shown By

Agency Title: Robb Harrison Realty, Inc.
Agency Phone: 352-877-2790

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Estimated Payment

$ 4,143.45 per month $3,498.74 Principal & Interest $471.17 Property Tax $173.54 Homeowner's Insurance

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