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Overview

2 bd1 ba640 sqftSingle Family
TypeSingle Family
HOANone listed
Built1986
Lot16,674 sqft
Living area640 sqft
Price / sqft$391

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Living Room/Dining Room ComboPrimary Bedroom Main FloorPrivate YardElectric Water HeaterRange Hood

14496 & 14498 W Captain CT is a 1986-built home in St Martins Estuary Retreats Unit 02, Crystal River. Inside you'll find 2 bedrooms, 1 bathrooms, and 640 square feet of living space. Listed at $250,000 (about $391/sqft), 86 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

AN UNEXPECTED JOURNEY ALWAYS LEADS TO THE GRANDEST ADVENTURE! This little home is hidden amongst the most amazing, picturesque landscape that could only be imagined in a Tolkien tale. Nestled on 2 separate lots totaling .38-acres in the Ozello Keys and surrounded by a labyrinth of mangroves, tidal creeks, estuaries, marshes and wildlife galore, this 2-bedroom, 1 bath 640sqft waterfront home is your cozy escape to write your own tale. YOUR gateway to magic! Get ready, your journey begins now! But first things first, so let’s get to it. The home needs remediation from Hurricane Helene. Most of the walls have been stripped to the studs throughout, damaged cabinetry and appliances removed and is awaiting your creativity and finishing touches. The floor plan is back to basics with function over form, as the outdoors is really the place to be. The large 32’x9’ covered front porch strategically faces the Black Creek Canal, which leads directly to The St Martins River and out to The Gulf of America. Go ahead, sit a spell and contemplate your plans for the day, whether by land or by sea. A stacked stone garden wall at the entrance to the property adds a shire-like, romantic touch, reminiscent of a time long ago. Seawall and dock are a head start. Public water is a plus! NO HOA & NO DEED RESTRCTIONS, so bring all your toys! The Ozello Keys are connected by Ozello Trail, a curvy, scenic 10-mile road that meanders through salt marshes, mangrove islands, sabal palms and cedars and is famous for its unforgettable views of nature and wildlife. The Fish Creek Boat Ramp is 3 minutes away and the Ozello Community Park is only 7 minutes away for both a Boat Ramp and Kayak Launch. And with great fortune, your right smack in the middle of St Martins Marsh Aquatic Preserve and Crystal River Preserve which offer thousands of acres for boating, kayaking, fishing (both recreational and commercial), scalloping, birding watching, hiking, photography and more! The setting for the tale of your grand adventure is here. All you have to do is decide what to do with the time on your journey!

The essentials

Built
1986
Price / sqft
$391
On market
86 days
Annual tax
$2,431
Flood zone
AE
Lot
16,674 sqft
Type
Single Family Residence

At a glance

Single family
Built 1986
Waterfront
Canal - Saltwater
0.38 acres
Lot size
640 sqft
Living area

Payment

Est. monthly payment
$1,632/mo
Down payment (20%)
$50,000
Property taxes
$203/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1986
Lot
16,674 sqft
Cooling
None
Heating
None
Parking
Off Street
Waterfront
Canal - Saltwater
Days on Market
86
Ceiling Fans(s)
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Private Yard
Electric Water Heater
Range Hood
Elementary
Rock Crusher Elementary School
Middle
Crystal River Middle School
High
Crystal River High School

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE
Annual Tax (2025)
$2,431
Parcel #
16E-19S-10-0020-000A0-0150

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
St Martins Estuary Retreats Unit 02
County
Citrus
MLS Area
34429 - Crystal River
Lot Size
16,674 sqft
Cul-De-SacFloodZoneIrregular LotPaved

Price history

Date
Event
Price
9/21/2026
Price change
Source: Stellar MLS #TB8531961
$250,000-2.0%
$391/sqft
-
Price change
Source: Stellar MLS #TB8531961
$255,000-5.5%
$398/sqft
7/23/2026
Listed for sale
Source: Stellar MLS #TB8531961
$269,900
$422/sqft

Neighborhood

14496 & 14498 W Captain CT
Crystal River, FL, 34429 · 34429 - Crystal River

Market insights

Offer Insights

Choose an offer strength

List price: $250,000
$237,500 – $250,000
95.3% – 100% of listTops out right at the list price
80% of listList price
26 of the last 50 home closings in 34429 landed at this number or higher (52%). The median one sat 76 days before it went under contract, and this one is on day 86 after a $19,900 cut.

Sample: 50 closed home sales in 34429 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,631/mo
Principal & interest$1,304
Property taxes$203
Insurance$125
Down payment20% · $50,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$250,000

$391 per sq ft

Beds and baths

2 beds, 1 baths

Size

640 sq ft

Time on market

86 days

Year built

1986

Monthly payment

About $1,632/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,431 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

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Brokered byERA AMERICAN SUNCOAST REALTYListing agent: Lynn HarrisListing data from Stellar MLS, MLS# TB8531961.

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