11014 W Cove Harbor DRIVE, CRYSTAL RIVER, FL, 34428
Active3 days on marketListed Oct 9, 2026MLS #CC858480
About this home
11014 W Cove Harbor DRIVE
Priced to sell! Below market value!!! Wake up to breathtaking water views in this 2 bedroom, 2-bathroom, maintenance-free condo offering direct Gulf, Three Sisters Springs and Crystal River access for the ultimate Florida lifestyle. Whether you enjoy boating, fishing, kayaking, manatee viewing, or simply relaxing by the water, this property delivers it all. Spend your evenings taking in stunning sunsets from your back patio while enjoying the peaceful coastal atmosphere. Despite its waterfront location, this home HAS NEVER FLOODED according to past owners. The resort like community provides a large community pool, spacious club house with activities and a library, tennis courts, exterior building maintenance (including the roof!), grounds maintenance, pest control, and flood & comprehensive property liability insurance. Conveniently located near dining, shopping, and entertainment, this condo is perfect as a full-time residence, vacation getaway, or investment opportunity. Come live where every day feels like a vacation!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,159
Sqft
0.04 ac
Lot size
1989
Year built
One
Levels
$279
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.
$3,114 /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
$3,114/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
+11%
$/sqft vs Crystal River actives
$279 vs $217
Days on market
3 vs 70 typical
Where $279/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 71% 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 11014 W Cove Harbor DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$487,500
2895 N Rivers Edge BOULEVARD
2 bd · 2 ba · 1,173 sqft · $416/sqft · 3 DOM
Sold · Aug ’26$775,000
2882 N COMANCHE POINT
3 bd · 2.5 ba · 1,200 sqft · $646/sqft · 64 DOM
Sold · Jan ’26$172,000
3410 N BAY AVENUE
2 bd · 2 ba · 1,104 sqft · $156/sqft · 157 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 11014 W Cove Harbor DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11014 W Cove Harbor DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11014 W Cove Harbor DRIVE FAQs
What would the monthly payment be for 11014 W Cove Harbor DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,114/mo — principal and interest, the actual property-tax bill, the $607/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 11014 W Cove Harbor DRIVE?+
The association fee works out to $607 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11014 W Cove Harbor DRIVE?+
The most recent tax bill on record (2025) was $3,637. 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 $323,000, this home is priced right at the Crystal River median.
Which schools are assigned to 11014 W Cove Harbor DRIVE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$323,000 runs 71% above the CRYSTAL RIVER 34428 median.
02Know the monthly fee
The association fee is $607/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Only 3 days on market in a Crystal River market that averages 70 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC. MLS #CC858480.
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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