3644 N Hiawatha Terrace Crystal River, FL 34428
For Sale MLS# TB8472132
3 beds 2 baths 1,680 sq ft Single Family
Details for 3644 N Hiawatha Terrace
MLS# TB8472132
Description for 3644 N Hiawatha Terrace, Crystal River, FL, 34428
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.
Listing Information
Property Type: Residential, Single Family Residence
Status: Active
Bedrooms: 3
Bathrooms: 2
Lot Size: 0.24 Acres
Square Feet: 1,680 sq ft
Year Built: 1980
Garage: Yes
Stories: 2 Story
Construction: Wood Siding,Wood Frame
Construction Display: New Construction
Subdivision: Indian Waters Unit 02
Foundation: Slab
County: Citrus
Construction Status: New Construction
School Information
Elementary: Crystal River Primary School
Middle: Crystal River Middle School
High: Crystal River High School
Room Information
Main Floor
Great Room:
Kitchen:
Upper Floor
Primary Bedroom:
Bathrooms
Full Baths: 2
Additonal Room Information
Laundry: In Garage
Interior Features
Appliances: Dishwasher, Convection Oven, Microwave, Refrigerator
Flooring: Ceramic Tile,Luxury Vinyl
Fireplaces: Wood Burning, Living Room
Additional Interior Features: Eat-In Kitchen, Walk-In Closet(s), Ceiling Fan(s), Upper Level Primary, High Ceilings, Stone Counters
Utilities
Water: Public
Sewer: Public Sewer
Other Utilities: Cable Connected,Electricity Connected,Municipal Utilities,Sewer Connected,Water Connected
Cooling: Ceiling Fan(s), Central Air
Heating: Heat Pump
Exterior / Lot Features
Attached Garage: Attached Garage
Garage Spaces: 1
Roof: Metal
Lot View: Canal,Water
Fencing: fenced
Additional Exterior/Lot Features: Fire Pit, Lighting, Rear Porch, Front Porch, Covered, Screened, Flat, Level, Landscaped, Flood Zone, Near Golf Course, Outside City Limits
Waterfront Details
Water Front Features: Canal Access
Driving Directions
Hwy 19 N, left on 19th St, right on Hiawatha, home on the left
Financial Considerations
Terms: Cash,Conventional,FHA,VA Loan
Tax/Property ID: 17E-18S-17-0220-000D0-0350
Tax Amount: 5654
Tax Year: 2025
A broker reciprocity listing courtesy: PLANTATION REALTY, INC.
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Interest rate and annual percentage rate (APR) are based on current market conditions, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables. Estimated closing costs used in the APR calculation are assumed to be paid by the borrower at closing. If the closing costs are financed, the loan, APR and payment amounts will be higher. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Contact us for details. Additional loan programs may be available. Accuracy is not guaranteed, and all products may not be available in all borrower's geographical areas and are based on their individual situation. This is not a credit decision or a commitment to lend.
Sales History & Tax Summary for 3644 N Hiawatha Terrace
Sales History
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Tax Summary
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Data powered by ATTOM Data Solutions. Copyright© 2026. Information deemed reliable but not guaranteed.
Schools
Schools nearby 3644 N Hiawatha Terrace
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Data powered by ATTOM Data Solutions. Copyright© 2026. Information deemed reliable but not guaranteed.
The schools shown represent both the assigned schools and schools by distance based on local school and district attendance boundaries. Attendance boundaries change based on various factors and proximity does not guarantee enrollment eligibility. Please consult your real estate agent and/or the school district to confirm the schools this property is zoned to attend. Information is deemed reliable but not guaranteed.
SchoolDigger ® Rating
The SchoolDigger rating system is a 1-5 scale with 5 as the highest rating. SchoolDigger ranks schools based on test scores supplied by each state's Department of Education. They calculate an average standard score by normalizing and averaging each school's test scores across all tests and grades.
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