CENTURY 21 Edge
$1,100,0003 bd2.5 ba2,576 sqft$427 /sqft≈$7,169 /mo all-in ↓

1610 NW 20TH AVENUE, CRYSTAL RIVER, FL, 34428

Active16 days on marketListed Sep 26, 2026MLS #A4707540

WaterfrontSingle Family ResidenceWOODLAND ESTATES UNIT 02A

About this home

1610 NW 20TH AVENUE

LUXURY WATERFRONT LIVING | BRIDGE-FREE GULF ACCESS | PRIVATE DOCK | 13,500-LB. BOAT LIFT | Experience the rare combination of luxury, privacy and exceptional boating access in this stunning Crystal River waterfront residence. Positioned directly on the waterfront with deep-water canal access, this exceptional property offers a 60' x 5' private dock with a 13,500-lb. boat lift and direct, bridge-free access to the Crystal River and the Gulf of America. For the discerning boater, this is the kind of waterfront access that is increasingly difficult to find—step aboard and head toward the river and Gulf without navigating bridges. The residence is designed to embrace its waterfront setting, with expansive water views from both levels of outdoor living. The 28' x 9' ground-level rear porch overlooks the tranquil canal, while the matching 28' x 9' enclosed upper porch, complete with central air conditioning, creates an elegant year-round waterfront retreat. Whether enjoying morning coffee, entertaining guests or watching the boats pass along the canal, both spaces provide an exceptional connection to the water. Inside, refined finishes and an inviting coastal aesthetic create an elevated yet comfortable atmosphere. Luxury vinyl plank flooring flows throughout the home, complemented by dramatic vaulted ceilings and sophisticated tray ceiling details that add architectural character and volume to the living spaces. The generously proportioned primary suite offers a private retreat, while the expansive primary bath delivers a spa-inspired experience with a beautifully tiled walk-in shower and abundant space. The true centerpiece of this property is the waterfront lifestyle. With no HOA, you have the freedom to enjoy your dock, boat and watercraft on your own terms. The substantial boat lift and generous dock provide an ideal launching point for boating, fishing, kayaking, scalloping and exploring the remarkable waterways of the Nature Coast. Crystal River is renowned for its pristine waterways, natural springs, abundant wildlife, world-class scalloping and fishing, and easy access to the Gulf. From your own waterfront dock, spend the morning exploring the river, venture into the Gulf for an afternoon on the water, or return home to enjoy the peaceful canal views from either level of your private outdoor living spaces. This is more than a waterfront home—it is a sophisticated Florida lifestyle centered around the water. Rarely does an offering combine deep-water canal frontage, a substantial private dock, 13,500-lb. boat lift, bridge-free Gulf access, two levels of waterfront outdoor living, luxurious interior appointments and the freedom of NO HOA. For the buyer who values exceptional water access as much as the home itself, this Crystal River residence presents a truly distinctive waterfront opportunity.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,576

Sqft

0.23 ac

Lot size

2

Garage

2004

Year built

Two

Levels

$427

Per sqft

WaterfrontWater view

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Range · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Dumbwaiter · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Stone Counters · Tray Ceiling(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesEast
ExteriorPrivate Yard

Community & fees

Taxes (2025)$7,930/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Electricity Connected · Sewer Connected
WaterPublic

The numbers

What it really costs

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

$7,169 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,936
PMI (est., until 20% equity)$413
Property tax — 2025 actual bill$661
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $110,000Loan30-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% · $110,000
Interest rate6.00%
Loan term

Estimated payment

$7,169/mo

Principal & interest$5,936
PMI (est., until 20% equity)$413
Property taxes (actual bill)$661
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 $1.1M
$768KedgeAI estimate $825,124 · range $800K–$908K$1.1M

vs edgeAI estimate

+33.3%

$/sqft vs Crystal River actives

$427 vs $217

Days on market

16 vs 70 typical

Where $427/sqft sits among the 224 Crystal River actives

62
57
37
27
15 · this home
26
$83–154$154–224$224–295$295–366$366–437$437+

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

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

CRYSTAL RIVER 34428 — neighborhood snapshot

Population

9,325

Median age

55.4

Median income

$48,185

Median home value

$236,100

Avg household

2.15

Households w/ children

690

For the school run

Citrus County School District

HighCrystal River High School★★★★★
MiddleCrystal River Middle 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 marketLeans buyer — 8.6 months of inventoryBuyer’s market

$315K → $275K

Crystal River median sold, yr/yr

93.8%

Sale-to-list ratio (12 mo)

87 of 224

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 482% above the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →

Paper trail

This home's history

Sep 26, 2026Listed at $1,100,000 · 16 days on market since
2004Built · WOODLAND ESTATES UNIT 02A

Reality check

What actually sold near 1610 NW 20TH AVENUE

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

1801 NW 20TH AVENUESold · Jul ’26

$950,000

1801 NW 20TH AVENUE · same community

3 bd · 2.5 ba · 2,586 sqft · $367/sqft · 250 DOM

1720 NW 20TH AVENUESold · Nov ’25

$745,000

1720 NW 20TH AVENUE · same community

3 bd · 2 ba · 2,036 sqft · $366/sqft · 46 DOM

1950 NW 19TH STREETSold · Mar ’26

$620,000

1950 NW 19TH STREET · same community

2 bd · 2 ba · 1,575 sqft · $394/sqft · 212 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.

Anthony Richardson

Your agent

Anthony Richardson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1610 NW 20TH AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1610 NW 20TH AVENUE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

1610 NW 20TH AVENUE FAQs

What would the monthly payment be for 1610 NW 20TH AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,169/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 1610 NW 20TH AVENUE?+

The most recent tax bill on record (2025) was $7,930. 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 $1,100,000, this home is listed about 240% above the Crystal River median of $323,950. The market section on this page shows how the area is trending.

Which schools are assigned to 1610 NW 20TH AVENUE?+

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

Listing courtesy of PATRIOTIC REAL ESTATE · David Hickey. MLS #A4707540.

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.

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