# 3644 N Hiawatha Terrace, Crystal River, FL 34428

> **TL;DR:** 3bd/2ba single family, $595,000 ($354/sqft), built 1980, 1,680 sqft.
> Fireplace, Waterfront, A/C. Est. $2,578/mo. Listed 122 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $595,000 |
| Price/sqft | $354 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,680 |
| Year Built | 1980 |
| Lot Size | 10,454 sqft (0.24 acres) |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 122 |

## Why This Home Stands Out

- **Waterfront** - Direct water access

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $2,578 |
| **Total** | **$2,578** |

## Nearby Schools

- **Elementary:** Crystal River Primary
- **Middle:** Crystal River Middle
- **High:** Crystal River High

## Key Amenities

- Fireplace
- Waterfront
- A/C

## Property Highlights

- Built in 1980
- 0.24 acre lot
- 2 parking spaces
- Fireplace
- Waterfront

## Description

### Agent 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.

## Location

- **Address:** 3644 N Hiawatha Terrace, Crystal River, FL 34428
- **County:** Citrus
- **Neighborhood:** Indian Waters
- **Coordinates:** 28.914212, -82.617537
- **Google Maps:** https://www.google.com/maps?q=28.914212,-82.617537

## Listing Agent

- **Name:** Lindsey Miller
- **Brokerage:** Plantation Realty, Inc.
- **Phone:** 3525868973
- **Email:** plantationlindseym@gmail.com

## Primary Photo

![3644 N Hiawatha Terrace - Primary Photo](http://lh.rdcpix.com/5bc2a9f0e240a0bb525664af8e66119al-f302992388r.jpg)

*53 total photos available on [listing page](https://www.propertysimple.com/listing/3644-n-hiawatha-terrace-crystal-river-fl-34428-l851407)*

---

**MLS#:** 851407 | **Updated:** 2026-06-18
**Source:** listhub

*Copyright © 2026 REALTORS Association of Citrus County, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.com/listing/3644-n-hiawatha-terrace-crystal-river-fl-34428-l851407)

---

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