
10994 N RIVER RANCH PATH, CRYSTAL RIVER, FL, 34428
Active1 days on marketListed Sep 1, 2026MLS #OM731381
About this home
10994 N RIVER RANCH PATH
Located in the distinctive gated lakefront community of Riverwood Ranch, this impressive home enjoys a beautiful setting on Lake Rousseau, where mature oaks, palms and cypress frame expansive lake views and spectacular sunsets. Here, privacy and a relaxed lakeside atmosphere combine with direct access to one of the Nature Coast’s best-known freshwater fishing destinations. Formed along the Withlacoochee River, Lake Rousseau offers boating and paddling access east toward the Withlacoochee and Rainbow River waterways. The family room, with striking architectural details including a wood-beamed ceiling and stacked-stone gas fireplace with flanking built-ins, creates the warmth expected from the heart of the home. Expansive sliders bring the outdoors into view and open to the lanai, allowing interior and exterior spaces to live beautifully together. The kitchen is designed for those who truly enjoy cooking and entertaining, with a 6-burner gas range, Thermador double convection ovens and dishwasher, GE Monogram refrigerator and microwave drawer, custom range hood and designer backsplash. A large island with farmhouse sink and breakfast bar becomes a natural gathering place, complemented by a coffee bar, wet bar with beverage cooler and ice maker, breakfast nook, generous pantry storage and kitchen office. The first-floor primary suite offers a serene place to begin and end the day, with lake views, tray ceiling and sliders to the lanai. Two walk-in closets feature custom built-ins, while the bath offers dual vanities and an oversized walk-through shower with rain head, fixed shower head and handheld spray. A second first-floor bedroom provides an ensuite bath with step-in shower for guests. Upstairs, two additional bedrooms share a Jack-and-Jill bath and a dedicated loft gathering/game room with wet bar and mini-frig. The separate office features French doors, custom built-ins and a tongue-and-groove wood tray ceiling. The expansive screened lanai creates an outdoor living room overlooking the landscaped grounds and lake. Its luxury outdoor kitchen features granite counters, stainless-steel cabinetry and appliances, built-in grill, sink and mini-frig, making everything from a quiet dinner for two to entertaining friends feel effortless. An additional screened paver area with gas fire pit invites lingering outdoors as evening settles over the lake. Follow the path beneath the trees, past a wood-burning fire pit and gathering area, to the dock with covered boat lift, kayak launch and waterfront deck. Lake Rousseau is renowned for bass fishing, giving anglers the enviable opportunity to leave directly from their own backyard. A 3-car garage with additional equipment space and rear garage door provides room for the toys that naturally accompany the lifestyle. Morning coffee overlooking the lake, an afternoon on the water, dinner on the lanai and sunsets from your own dock—this is a home designed not simply to be admired, but to be enjoyed.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,964
Sqft
1.21 ac
Lot size
3
Garage
2019
Year built
Two
Levels
$377
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.
$10,085 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$10,085/mo
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.
$/sqft vs Crystal River actives
$377 vs $217
Days on market
1 vs 53 typical
Where $377/sqft sits among the 162 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 → $325K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
80 of 162
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 669% 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 10994 N RIVER RANCH PATH
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$215,000
9644 N EVENTIDE POINT
4 bd · 2 ba · 1,813 sqft · $119/sqft · 132 DOM
Sold · Dec ’25$225,000
8630 W MOONHAZE COURT
3 bd · 2 ba · 1,568 sqft · $143/sqft · 21 DOM
Sold · Jan ’26$495,000
11350 SE 203RD PLACE
3 bd · 2 ba · 1,512 sqft · $327/sqft · 83 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10994 N RIVER RANCH PATH — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10994 N RIVER RANCH PATH — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10994 N RIVER RANCH PATH FAQs
What would the monthly payment be for 10994 N RIVER RANCH PATH?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,085/mo — principal and interest, the actual property-tax bill, the $50/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 10994 N RIVER RANCH PATH?+
The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10994 N RIVER RANCH PATH?+
The most recent tax bill on record (2025) was $14,975. 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 10994 N RIVER RANCH PATH?+
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 $1,495,000, this home is listed about 379% above the Crystal River median of $312,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10994 N RIVER RANCH PATH?+
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
$1,495,000 runs 669% above the CRYSTAL RIVER 34428 median — but at 3,964 sqft it's also nearly 2 times the size of the typical Crystal River listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Crystal River market that averages 53 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of REMAX REALTY ONE · Kim DeVane. MLS #OM731381.
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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