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$1,100,000

1610 NW 20TH AVENUE, CRYSTAL RIVER, FL 34428

3D Tour
Active10 days on market

Beds

3

Baths

3

Sq Ft

2,576 sq ft

Year Built

2004

Lot Size

0.23 acres

Garage

2

About This Property

LUXURY WATERFRONT LIVING | BRIDGE-FREE GULF ACCESS | PRIVATE DOCK | 13,500-LB. BOAT LIFT | Experience the rare combination of luxury, privacy and exceptional boating access in this stunning Crystal River waterfront residence. Positioned directly on the waterfront with deep-water canal access, this exceptional property offers a 60' x 5' private dock with a 13,500-lb. boat lift and direct, bridge-free access to the Crystal River and the Gulf of America. For the discerning boater, this is the kind of waterfront access that is increasingly difficult to find—step aboard and head toward the river and Gulf without navigating bridges. The residence is designed to embrace its waterfront setting, with expansive water views from both levels of outdoor living. The 28' x 9' ground-level rear porch overlooks the tranquil canal, while the matching 28' x 9' enclosed upper porch, complete with central air conditioning, creates an elegant year-round waterfront retreat. Whether enjoying morning coffee, entertaining guests or watching the boats pass along the canal, both spaces provide an exceptional connection to the water. Inside, refined finishes and an inviting coastal aesthetic create an elevated yet comfortable atmosphere. Luxury vinyl plank flooring flows throughout the home, complemented by dramatic vaulted ceilings and sophisticated tray ceiling details that add architectural character and volume to the living spaces. The generously proportioned primary suite offers a private retreat, while the expansive primary bath delivers a spa-inspired experience with a beautifully tiled walk-in shower and abundant space. The true centerpiece of this property is the waterfront lifestyle. With no HOA, you have the freedom to enjoy your dock, boat and watercraft on your own terms. The substantial boat lift and generous dock provide an ideal launching point for boating, fishing, kayaking, scalloping and exploring the remarkable waterways of the Nature Coast. Crystal River is renowned for its pristine waterways, natural springs, abundant wildlife, world-class scalloping and fishing, and easy access to the Gulf. From your own waterfront dock, spend the morning exploring the river, venture into the Gulf for an afternoon on the water, or return home to enjoy the peaceful canal views from either level of your private outdoor living spaces. This is more than a waterfront home—it is a sophisticated Florida lifestyle centered around the water. Rarely does an offering combine deep-water canal frontage, a substantial private dock, 13,500-lb. boat lift, bridge-free Gulf access, two levels of waterfront outdoor living, luxurious interior appointments and the freedom of NO HOA. For the buyer who values exceptional water access as much as the home itself, this Crystal River residence presents a truly distinctive waterfront opportunity.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #A4707540
StatusActive
Year Built2004
Stories2
Total Rooms13
ConstructionBlock, Stucco
RoofMetal
FoundationSlab
FacesEast
SubdivisionWOODLAND ESTATES UNIT 02A
CountyCitrus
OwnershipFee Simple

Interior Features

InteriorCathedral Ceiling(s), Ceiling Fan(s), Dumbwaiter, High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Tray Ceiling(s)
FlooringLuxury Vinyl
AppliancesDishwasher, Range, Refrigerator
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorPrivate Yard
Lot Size0.23 acres (9,999 sq ft)
Lot Dimensions80 x 125
Road SurfacePaved
ViewWater
0

Waterfront

WaterfrontYes
FeaturesCanal Front, Freshwater Canal w/Lift to Saltwater Canal

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$1,100,000
Annual Taxes$7,930 (2025)
ZoningRW
Parcel #17E18S17002A001500140

Directions

NW US 19 to NW 19th St to NW 20th Ave, house on right

Location

1610 NW 20TH AVENUE, CRYSTAL RIVER, FL 34428

Listing Information

OfficePATRIOTIC REAL ESTATE
ListedSeptember 26, 2026

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Home Price

$1,100,000

20% ($220,000)
6.75%

Loan Term

Principal & Interest$5,708
Property Tax (est.)$1,008
Insurance (est.)$150
Total Monthly$6,866
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Financing a Luxury Home

Specialized financing for this $1,100,000 property in CRYSTAL RIVER. Luxury purchases typically require jumbo or portfolio lending.

💎

Jumbo Loan

$110,000 Down

For homes exceeding conforming loan limits. Typically requires 10-20% down, strong credit, and reserves.

🎖️

VA Jumbo

$0 Down

VA-eligible borrowers can go above conforming limits with zero down in many cases.

🏦

Portfolio Loan

$165,000 Down

Held by the lender, not sold. Flexible terms for high-net-worth buyers with non-traditional income.

🔑

Bridge Loan

$220,000 Down

Short-term financing to buy before selling. Ideal for move-up buyers in competitive markets.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 6, 2026.

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