11035 W Harbor Watch LOOP, CRYSTAL RIVER, FL, 34428
Active9 days on marketListed Oct 3, 2026MLS #CC858384
About this home
11035 W Harbor Watch LOOP
Make Florida’s Nature Coast your home in this 2-bedroom, 1.5-bath condo in the waterfront community of Pelican Cove! Ideal for year-round living, a seasonal getaway, or a rental opportunity, this inviting condo combines comfortable interiors with community recreation and association-maintained exterior and grounds. A covered entrance welcomes you into a spacious living room that flows into the kitchen, featuring ample cabinetry, a breakfast bar, and a dining area beside sliding glass doors. Tile flooring throughout the main level makes everyday upkeep easy. Step onto your rear deck for morning coffee overlooking the lawn and mature trees. A half bathroom, covered parking, and exterior storage add convenience. Upstairs, both carpeted bedrooms connect directly to a shared Jack-and-Jill bathroom with a double-sink vanity and tub/shower combination. Ceiling fans in the living room and both bedrooms enhance comfort, while a stacked washer and dryer on the bedroom level keeps laundry close. Enjoy the community swimming pool, spacious paver sun deck, covered pavilion, and tennis courts. Association fees include exterior building maintenance, roof maintenance and replacement, exterior painting, building and flood insurance, landscaping, irrigation, pest control, garbage service, and upkeep of community amenities and common areas. Discover kayaking and paddleboarding on Kings Bay, Three Sisters Springs, Hunter Springs Park, manatee viewing, fishing, boating, and seasonal scalloping. Explore downtown Crystal River’s shops and restaurants, with Ocala, Tampa, and Orlando offering regional day-trip options. Rentals are permitted immediately after purchase, with a minimum lease term of one month and a maximum of three leases per calendar year. Airbnb and VRBO bookings are permitted within those limits, providing flexibility for seasonal rental use. Make this inviting condo your home base for enjoying Florida’s Nature Coast!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,084
Sqft
0.02 ac
Lot size
1
Garage
1992
Year built
Two
Levels
$201
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,105 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,105/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
−23.9%
$/sqft vs Crystal River actives
$201 vs $217
Days on market
9 vs 70 typical
Where $201/sqft sits among the 224 Crystal River actives
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Crystal River 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 15% above the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →
Paper trail
This home's history
Reality check
What actually sold near 11035 W Harbor Watch LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$172,000
3410 N BAY AVENUE
2 bd · 2 ba · 1,104 sqft · $156/sqft · 157 DOM
Sold · Dec ’25$230,000
3900 N BAY AVENUE UNIT 572
2 bd · 2 ba · 1,144 sqft · $201/sqft · 47 DOM
Sold · Dec ’25$230,000
3900 N Bay AVENUE UNIT 572
2 bd · 2 ba · 1,144 sqft · $201/sqft · 47 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.
Your agent
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11035 W Harbor Watch LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11035 W Harbor Watch LOOP — 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
11035 W Harbor Watch LOOP FAQs
What would the monthly payment be for 11035 W Harbor Watch LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,105/mo — principal and interest, the actual property-tax bill, the $351/mo association fee 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.
How much are the HOA fees at 11035 W Harbor Watch LOOP?+
The association fee works out to $351 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11035 W Harbor Watch LOOP?+
The most recent tax bill on record (2025) was $2,573. 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 $218,000, this home is listed about 33% below the Crystal River median of $323,950. The market section on this page shows how the area is trending.
Which schools are assigned to 11035 W Harbor Watch LOOP?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Carol Villani. MLS #CC858384.
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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