CENTURY 21 Edge
$615,995$620,9954 bd3 ba2,392 sqft$258 /sqft$4,131 /mo all-in ↓

13686 CRYSTAL RIVER DRIVE, ORLANDO, FL, 32828

Active30 days on marketListed Aug 21, 2026MLS #R4911849

Reduced $5KWaterfrontPrivate poolSingle Family ResidenceWATERFORD LAKES

About this home

13686 CRYSTAL RIVER DRIVE

Welcome to 13686 Crystal River Drive, a beautifully maintained pool home nestled in the highly desirable Waterford Lakes area of East Orlando. Offering approximately 2,400+ square feet of thoughtfully designed living space, this spacious residence features 4 bedrooms, 3 full bathrooms, and a versatile den or home office, creating the perfect balance of comfort, functionality, and Florida lifestyle. From the moment you arrive, you'll appreciate the home's attractive curb appeal, mature landscaping, and inviting presence. Inside, soaring ceilings, abundant natural light, and an open, flowing floor plan create a warm and welcoming atmosphere ideal for both everyday living and entertaining. The spacious living and dining areas provide flexibility for gatherings large and small, while the well-appointed kitchen serves as the heart of the home, offering generous workspace, ample cabinetry, and seamless access to the surrounding living areas. The thoughtfully designed split-bedroom layout provides privacy for family members and guests alike. The owner's suite is a relaxing retreat featuring generous proportions, abundant natural light, and a spacious en-suite bath designed for comfort and convenience. Additional bedrooms are well sized and complemented by two full guest bathrooms, making this home ideal for growing families, multigenerational living, or hosting overnight visitors. One of the most desirable features of this property is the dedicated den, offering endless possibilities as a home office, study, fitness room, playroom, media space, or hobby room. Step outside and discover your own private Florida paradise. The screened lanai and sparkling pool create the ultimate setting for year-round outdoor enjoyment. Whether you're hosting weekend barbecues, enjoying morning coffee, relaxing after a long day, or entertaining friends and family, this outdoor living space was designed to be enjoyed. Positioned to capture what has long been considered one of the most impressive views in the community, the backyard provides a peaceful and picturesque backdrop that enhances the overall feel of the property and creates a true sense of privacy and tranquility. Situated on an oversized homesite, there's ample room to enjoy both indoor and outdoor living while maintaining a comfortable sense of space between neighbors. Residents enjoy a sought-after East Orlando location known for convenience, established neighborhoods, and access to a wide variety of shopping, dining, parks, recreation, and everyday amenities. The home is also conveniently located near major roadways, making commuting to Downtown Orlando, the University of Central Florida, Research Park, area employers, Orlando International Airport, and world-famous attractions both simple and convenient. Combining generous living space, a functional floor plan, a private screened pool, a valuable den, beautiful community surroundings, and an exceptional view, 13686 Crystal River Drive presents a rare opportunity to own a home that truly captures the best of Central Florida living. Whether you're searching for your forever home, a place to entertain, or simply a property that offers comfort, flexibility, and an outstanding lifestyle, this residence delivers on every level. Don't miss your opportunity to experience everything this remarkable home has to offer

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,392

Sqft

0.21 ac

Lot size

2

Garage

1995

Year built

One

Levels

$258

Per sqft

Private poolWaterfrontWater view

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Central Vacuum · Eating Space In Kitchen · Primary Bedroom Main Floor · Split Bedroom · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingGarage Door Opener · Oversized
ExteriorIrrigation System · Rain Gutters · Sliding Doors

Community & fees

HOA fee$106/mo
Taxes (2025)$3,725/yr
PetsCats OK, Dogs OK
CommunityPlayground · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Connected · Fire Hydrant · Street Lights
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.

$4,131 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,324
PMI (est., until 20% equity)$231
Property tax — 2025 actual bill$310
HOA fee — from the listing$106
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $61,600Loan30-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% · $61,600
Interest rate6.00%
Loan term

Estimated payment

$4,131/mo

Principal & interest$3,324
PMI (est., until 20% equity)$231
Property taxes (actual bill)$310
HOA / condo fee$106
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 $616K
$566KedgeAI estimate $609,447 · range $590K$621K$646K

vs edgeAI estimate

+1.1%

$/sqft vs Orlando actives

$258 vs $242

Days on market

30 vs 42 typical

Where $258/sqft sits among the 400 Orlando actives

120
132 · this home
88
22
13
25
$139–202$202–265$265–328$328–390$390–453$453+

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 Orlando

Drive times from this address

Downtown Orlando16 min
Orlando Int’l Airport (MCO)26 min
Universal Orlando29 min
Walt Disney World41 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Orlando. See the full Orlando guide →

ORLANDO 32828 — neighborhood snapshot

Population

69,937

Median age

36.5

Median income

$99,927

Median home value

$403,700

Avg household

2.85

Households w/ children

9,027

For the school run

Orange County School District

ElementaryWaterford Elementary★★★★
MiddleDiscovery Middle★★★★★
HighTimber Creek High★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Orlando market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$400K$395K

Orlando median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

208 of 400

Orlando actives have cut their price

Median sold price, Orlando, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 51% above the ORLANDO 32828 median. See the full Orlando market guide →

Paper trail

This home's history

CurrentPrice reduced to $615,995 $5K
Aug 21, 2026Listed at $620,995 · 30 days on market since
1995Built · WATERFORD LAKES

Reality check

What actually sold near 13686 CRYSTAL RIVER DRIVE

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

950 JADE FOREST AVENUESold · Dec ’25

$445,575

950 JADE FOREST AVENUE · same community

3 bd · 2 ba · 1,630 sqft · $273/sqft · 58 DOM

920 LAKE LINDLEY DRIVE NSold · Mar ’26

$285,000

920 LAKE LINDLEY DRIVE N · same community

3 bd · 2 ba · 1,539 sqft · $185/sqft · 0 DOM

12118 CALABOOSE COURTSold · Nov ’25

$355,000

12118 CALABOOSE COURT · same community

3 bd · 2 ba · 1,421 sqft · $250/sqft · 39 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.

Arlinda Gokyar

Your agent

Arlinda Gokyar

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 13686 CRYSTAL RIVER DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13686 CRYSTAL RIVER DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

13686 CRYSTAL RIVER DRIVE FAQs

What would the monthly payment be for 13686 CRYSTAL RIVER DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,131/mo — principal and interest, the actual property-tax bill, the $106/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 13686 CRYSTAL RIVER DRIVE?+

The association fee works out to $106 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 13686 CRYSTAL RIVER DRIVE?+

The most recent tax bill on record (2025) was $3,725. 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 13686 CRYSTAL RIVER DRIVE?+

The listing reports pets: Cats OK, Dogs OK. 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 Orlando?+

At $615,995, this home is listed about 60% above the Orlando median of $385,250. The market section on this page shows how the area is trending.

Which schools are assigned to 13686 CRYSTAL RIVER DRIVE?+

Waterford Elementary (elementary), Discovery Middle (middle), Timber Creek High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$615,995 runs 51% above the ORLANDO 32828 median — but at 2,392 sqft it's also 51% larger than the typical Orlando listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Waterford Elementary, Discovery Middle, Timber Creek High — Waterford Elementary rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $620,995, now $615,995 — a $5K cut. The full history is in the market section below.

Listing courtesy of EASY REALTY · Greg Owen. MLS #R4911849.

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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