CENTURY 21 Edge
$925,0002 bd2.5 ba1,400 sqft$661 /sqft≈$5,977 /mo all-in ↓

2120 NW 15TH STREET, CRYSTAL RIVER, FL, 34428

Active11 days on marketListed Oct 1, 2026MLS #G5118380

WaterfrontPrivate poolSingle Family ResidenceWOODLAND ESTATES UN 02A

Come see it

Upcoming open house

Sat, Oct 17

10:00 AM – 12:00 PM

About this home

2120 NW 15TH STREET

Welcome to waterfront living in desirable Woodland Estates in Crystal River. This 2-bedroom, 2.5-bath stilt home offers the ultimate setup for enjoying Florida’s Nature Coast, complete with a private pool, covered boat lift, canal frontage, and the option to purchase the property as a truly turnkey waterfront retreat—including the boat currently on the lift. All living space is located upstairs, where an inviting open-concept floor plan brings together the kitchen, dining, and living areas. The kitchen features hard-surface countertops, stainless steel appliances, and plenty of cabinetry, while plantation shutters throughout add a classic coastal touch. Impact/storm windows provide additional protection and peace of mind. The split-bedroom layout provides privacy for both owners and guests. The spacious primary suite includes a private ensuite bathroom and walk-in closet, creating a comfortable retreat away from the main living areas. Just off the interior living space, the screened rear porch is perfect for morning coffee, an evening cocktail, or grilling dinner while enjoying the waterfront setting. Outside is where this home really shines. The private pool features a sun deck and elegant glass surround, creating a beautiful resort-inspired space for relaxing and entertaining. A convenient pool half bath means there’s no need to head upstairs during a day spent by the water. Boaters will appreciate the covered 10,000-lb boat lift located directly on the canal, keeping your boat protected and ready to go. From your backyard, head out to explore Crystal River, the natural springs, and the Gulf of America for boating, fishing, kayaking, wildlife viewing, and unforgettable days on the water. Adding to its one-of-a-kind setting, the property also borders Crystal River Archaeological State Park, placing the beauty and history of the Nature Coast right outside your door. Explore the park's historic Native American mounds, enjoy nearby trails for walking, hiking, and biking, and experience a remarkable piece of Florida history—all just steps from home. The lower level also features a single-vehicle garage, providing valuable space for storage, boating and fishing gear, tools, or a workshop. The home also has space for a future elevator, offering the opportunity to add even greater convenience between levels. Best of all, the property is available with a turnkey package for buyers who want to start enjoying their Crystal River getaway immediately. Furnishings and household items can be included—and even the Ranger 223 tritoon with a 150 HP motor currently sitting on the lift can be part of the package. Pool. Boat. Gulf access. Furnishings. Just bring your toothbrush and start living the Crystal River lifestyle. Don't MISS this opportunity: SCHEDULE your private showing today!

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,400

Sqft

0.2 ac

Lot size

1

Garage

2016

Year built

Two

Levels

$661

Per sqft

Private poolWaterfrontPool & Water viewNegotiablePets allowed

Inside

FlooringTile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Tankless Water Heater · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Solid Surface Counters · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionHardiPlank Type · Wood Frame
FoundationStilt/On Piling
ViewPool · Water
FacesNorth
ParkingBoat · Covered · Driveway · Under Building · Workshop in Garage
ExteriorOutdoor Shower · Private Mailbox · Rain Gutters · Storage

Community & fees

HOA fee$12/mo
Taxes (2025)$5,598/yr
PetsYes
CommunityCommunity Boat Ramp · Private Boat Ramp · River · Water Access · Golf Carts OK

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

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.

$5,977 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property tax — 2025 actual bill$467
HOA fee — from the listing$12
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $92,500Loan30-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% · $92,500
Interest rate6.00%
Loan term

Estimated payment

$5,977/mo

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property taxes (actual bill)$467
HOA / condo fee$12
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 $925K
$801KedgeAI estimate $927,549 · range $835K–$955K$994K

vs edgeAI estimate

−0.3%

$/sqft vs Crystal River actives

$661 vs $217

Days on market

11 vs 70 typical

Where $661/sqft sits among the 224 Crystal River actives

82
69
33
21
10
9 · this home
$83–179$179–275$275–372$372–468$468–564$564+

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 389% above the CRYSTAL RIVER 34428 median. See the full Crystal River market guide →

Paper trail

This home's history

Oct 1, 2026Listed at $925,000 · 11 days on market since
2016Built · WOODLAND ESTATES UN 02A

Reality check

What actually sold near 2120 NW 15TH STREET

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

2855 N RIVERS EDGE BOULEVARD UNIT 213Sold · Aug ’26

$375,000

2855 N RIVERS EDGE BOULEVARD UNIT 213

3 bd · 2.5 ba · 1,392 sqft · $269/sqft · 278 DOM

3628 N HIAWATHA TERRACESold · Feb ’26

$385,000

3628 N HIAWATHA TERRACE

2 bd · 2.5 ba · 1,380 sqft · $279/sqft · 147 DOM

1910 NW 15th COURTSold · Oct ’26

$220,000

1910 NW 15th COURT

3 bd · 2 ba · 1,368 sqft · $161/sqft · 6 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.

Kathy Miller

Your agent

Kathy Miller

real estate agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2120 NW 15TH STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2120 NW 15TH STREET — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

2120 NW 15TH STREET FAQs

What would the monthly payment be for 2120 NW 15TH STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,977/mo — principal and interest, the actual property-tax bill, the $12/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 2120 NW 15TH STREET?+

The association fee works out to $12 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2120 NW 15TH STREET?+

The most recent tax bill on record (2025) was $5,598. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 2120 NW 15TH STREET?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Crystal River?+

At $925,000, this home is listed about 186% 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 2120 NW 15TH STREET?+

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 LPT REALTY, LLC · Coby McClellan. MLS #G5118380.

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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