3644 N Hiawatha Terrace
Crystal River, FL 34428

$610,000

Beds: 3
Baths: 2
Sq. Ft.: 1,680
Type: House
Listing #851407
A rare waterfront canal residence with personal dock in one of Crystal River's most established boating neighborhoods. This 3-bedroom, 2-bath home offers a refined coastal lifestyle anchored in direct water access, thoughtful design, and long-term ownership confidence. The kitchen features granite countertops, modern appliances, and a clean, functional layout excellent for both everyday living and entertaining. Major systems including AC, water heater, plumbing, and sewer connection have been updated to support comfort, efficiency, and reliability. The home presents as curated, complete, and ready to enjoy, balancing modern reliability with authentic coastal character. The dock provides effortless access to Crystal River's waterways, Gulf boating, fishing, and year-round manatee encounters. Kayaks convey, reinforcing a lifestyle centered on daily water access rather than occasional recreation. While the property offers income flexibility, it is positioned foremost as a waterfront lifestyle asset suited for full-time living, second-home ownership, or hybrid use. This is not simply a waterfront home. It is a waterfront position.
Property Features
Location Information
County: Citrus
MLS Area: 15
Subdivision: Indian Waters
Interior Features
Total Rooms: 0
Interior: Fireplace, Primary Suite, Window Treatments
Full Baths: 2
Has Fireplace: Yes
Fireplace Description: Wood Burning
Heating: Heat Pump
Cooling: Central Air
Floors: Luxury Vinyl Plank, Tile
Appliances: Dishwasher, Electric Oven, Refrigerator, Water Heater
Exterior Features
Style: Multi-Level
Construction: Frame, Wood Siding
Exterior: Paved Driveway
Foundation: Slab
Roof: Metal
Possession: Closing
Water Source: Public
Septic or Sewer: Public Sewer
Utilities: High Speed Internet Available
Security Features: Smoke Detector(s)
Parking Description: Attached, Driveway, Garage, Paved
Has Garage: Yes
Garage Spaces: 2
Parking Spaces: 2
Pool Description: None
Lot Description: Rectangular
Lot Size in Acres: 0.24
Lot Size in Sq. Ft.: 10,558
Zoning: CLR
Building Total Area (Sq. Ft.): 2,376
Road Description: Paved
Road Frontage: County Road
Has Carport: No
Carport Spaces: 0
Water Frontage: Canal
Waterfront Description: Boat Dock/Slip, Gulf Access, Ocean Access, River Access, Canal Access, Waterfront
Has Waterfront: Yes
Windows/Doors Description: Blinds
School
Elementary School: Crystal River Primary
Middle School: Crystal River Middle
High School: Crystal River High
Additional Information
Property Type: SFR
Property SubType: Residential
Property SubType 2: Single Family Residence
Year Built: 1980
Status: Active
Property Name: SFR
Tax Year: 2025
Tax Amount: $5,654.2


$ per month
Year Fixed. % Interest Rate.
Principal + Interest: $
Monthly Tax: $
Monthly Insurance: $
Term
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Interest Rate
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Down Payment
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List Price:
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Based on a fully amortized fixed rate loan. Ask your agent for the tax rates in your area. Insurance estimate is based on an average cost, your final premium cost will be determined by the type of coverage you select. This program only provides an estimate.
Seller's Representative:
Plantation Realty, Inc.
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RACC data last updated at March 12, 2026, 6:20 PM ET