Arlinda Gokyar
$949,9003 bd2 ba2,077 sqft$457 /sqft$5,946 /mo all-in ↓

220 SE KINGS BAY DRIVE, CRYSTAL RIVER, FL, 34429

Active4 days on marketListed Aug 12, 2026MLS #OM730254

WaterfrontPrivate poolSingle Family ResidenceSPRINGDALE ADD

About this home

220 SE KINGS BAY DRIVE

What if home felt a little more like vacation? Morning coffee overlooking the canal, afternoons on the Gulf, and evenings by the pool. At 220 SE Kings Bay Drive, the water isn’t simply something you see from the backyard. It’s part of everyday life. Thoughtfully updated for Florida living, this 3-bedroom, 2-bath waterfront home with a 2-car garage combines extensive 2025 renovations with exceptional indoor and outdoor entertaining spaces. Inside, luxury plank flooring flows through most of the home into a beautifully remodeled kitchen featuring abundant cabinetry, expansive countertops, an oversized center island and high-end KitchenAid stainless steel appliances. New sliding glass doors installed in 2025 connect the main living area to the screened pool and canal beyond. An adjoining counter and kitchenette area leads into the waterfront family room, creating a natural flow between the home’s gathering spaces. The family room makes a statement with a vaulted wood ceiling, exposed beams and a wall of windows overlooking the canal and dock. Sliding glass doors open to the pool and lanai, while French doors from the primary bedroom provide another connection to the outdoor living area. Outside, the Crystal River lifestyle takes center stage. The expansive screened lanai offers a pool and covered areas for relaxing and entertaining, followed by a fully fenced backyard leading to the water. A separate waterfront deck offers another place to grill, unwind or enjoy the canal views. A private launch area provides convenient access for kayaks, paddleboards and small watercraft. Approximately 100 feet of waterfront, a concrete seawall, private dock and boat slip complete the setup. For boaters, the location delivers with direct Gulf access and no bridges between your backyard and open water. Head out fishing, cruise toward the Gulf or launch a kayak right from home. Additional features include a 10’ x 8’ storage shed near the boat slip, decorative aluminum fencing and a side concrete and gravel parking pad with 30-amp electrical service for an RV or motorhome. Major improvements include a 2020 roof, new garage door and sliding glass doors in 2025, extensive interior remodeling in 2025 and a complete exterior repaint in 2026. Located minutes from downtown Crystal River with convenient access to dining, shopping, boating and the outdoor recreation that defines Florida’s Nature Coast. Some homes put you near the Crystal River lifestyle. This one puts you right in the middle of it.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,077

Sqft

0.29 ac

Lot size

2

Garage

1983

Year built

One

Levels

$457

Per sqft

Private poolWaterfrontPool & Water view

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl
AppliancesBuilt-In Oven · Dishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom
LaundryInside · Laundry Room
CoolingCentral Air · Humidity Control
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewPool · Water
FacesSouth
ParkingBoat
ExteriorFrench Doors · Private Yard · RV Hookup · Sliding Doors · Sprinkler Metered

Community & fees

Taxes (2025)$3,645/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected · Fire Hydrant · Phone Available · Public · Sewer Available · Sewer Connected · Street Lights · Water Available · Water Connected
WaterCanal/Lake For Irrigation · Public

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,946 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,126
PMI (est., until 20% equity)$356
Property tax — 2025 actual bill$304
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $94,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $94,990
Interest rate6.00%
Loan term

Estimated payment

$5,946/mo

Principal & interest$5,126
PMI (est., until 20% equity)$356
Property taxes (actual bill)$304
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $950K
$409KedgeAI estimate $504,317 · range $426K$699K$988K

vs edgeAI estimate

+88.4%

$/sqft vs Crystal River actives

$457 vs $213

Days on market

4 vs 53 typical

Where $457/sqft sits among the 154 Crystal River actives

56
41
17
14
11
15 · this home
$105–173$173–241$241–308$308–376$376–444$444+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Crystal River

Map of 220 SE KINGS BAY DRIVE

Get to know Crystal River. See the full Crystal River guide →

CRYSTAL RIVER 34429 — neighborhood snapshot

Population

9,494

Median age

63.7

Median income

$57,716

Median home value

$220,300

Avg household

2.14

Households w/ children

490

For the school run

Citrus County School District

MiddleCrystal River Middle School★★★★
HighCrystal River High School★★★★★
ElementaryCrystal River Primary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Crystal River market

Seller’s marketBalanced6.5 months of inventoryBuyer’s market

$315K$325K

Crystal River median sold, yr/yr

93.8%

Sale-to-list ratio (12 mo)

78 of 154

Crystal River actives have cut their price

Median sold price, Crystal River, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 281% above the CRYSTAL RIVER 34429 median. See the full Crystal River market guide →

Paper trail

This home's history

Aug 12, 2026Listed at $949,900 · 4 days on market since
1983Built · SPRINGDALE ADD

Reality check

What actually sold near 220 SE KINGS BAY DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

480 MILLER CREEK ROADSold · Aug ’25

$609,000

480 MILLER CREEK ROAD

3 bd · 3 ba · 2,060 sqft · $296/sqft · 161 DOM

870 N COUNTRY CLUB DRIVESold · Apr ’26

$290,000

870 N COUNTRY CLUB DRIVE

3 bd · 2 ba · 2,096 sqft · $138/sqft · 77 DOM

522 SE PARADISE POINT ROADSold · Mar ’26

$235,000

522 SE PARADISE POINT ROAD

3 bd · 2 ba · 2,045 sqft · $115/sqft · 161 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Arlinda Gokyar

Your agent

Arlinda Gokyar

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 220 SE KINGS BAY DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 220 SE KINGS BAY DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

220 SE KINGS BAY DRIVE FAQs

What would the monthly payment be for 220 SE KINGS BAY DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,946/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 220 SE KINGS BAY DRIVE?+

The most recent tax bill on record (2025) was $3,645. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Crystal River?+

At $949,900, this home is listed about 204% above the Crystal River median of $312,500. The market section on this page shows how the area is trending.

Which schools are assigned to 220 SE KINGS BAY DRIVE?+

Crystal River Middle School (middle), Crystal River High School (high), Crystal River Primary School (elementary) — Citrus County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$949,900 runs 281% above the CRYSTAL RIVER 34429 median — but at 2,077 sqft it's also 31% larger than the typical Crystal River listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 4 days on market in a Crystal River market that averages 53 — if it fits, move quickly.

Listing courtesy of WAVE ELITE REALTY LLC · Norman Longfellow. MLS #OM730254.

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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

Never miss a listing

New Crystal River homes, in your inbox

Like 220 SE KINGS BAY DRIVE but not quite? A daily digest of every new listing in Crystal River — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Arlinda to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 16, 2026 at 8:06 PM UTC. The listing information on this page last changed on August 16, 2026 at 8:06 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 16, 2026 at 8:06 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 16, 2026 at 8:06 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.