1821 NW 20TH AVENUE, Crystal River, FL, 34428 | $1,199,999

A sense of calm and refinement defines this exceptional waterfront residence, where light, water, and architecture come together seamlessly. Soaring vaulted ceilings with warm wood planking and expansive architectural windows frame tranquil canal views, filling the home with natural light from the moment you enter.

The main living areas are positioned to maximize the waterfront setting, creating a seamless flow between indoor and outdoor living. New luxury vinyl flooring throughout the second and third floors, along with updated interior doors and designer lighting, establish a clean, modern aesthetic while keeping the water as the focal point. The living and dining areas open to a spacious waterfront balcony, ideal for morning coffee, sunset entertaining, or quiet moments overlooking the canal.

The kitchen offers both function and style with generous cabinetry, stainless steel appliances, an oversized island, and abundant natural light that enhances both everyday living and entertaining.

The primary suite features a spa-inspired bath with a freestanding soaking tub, double vanity, walk-in shower, and refined modern finishes.

The lower level provides flexible living space ideal for an in-law suite, guest retreat, or extended living area, complete with an updated bath and direct access to the pool and outdoor entertaining spaces. The total heated living area of 2, 672 square feet includes this finished lower level.

Outdoors, the property transforms into a private waterfront retreat with a resurfaced screened-in pool, expansive brick pavers, new landscaping, and a covered ductless seating area designed for year-round enjoyment. A private dock with an 8, 000-lb boat lift and fish cleaning station completes the elevated coastal lifestyle.

With an acceptable offer, the seller is willing to install an exterior lift from the first floor to the second floor, adding convenience and accessibility.

Additional improvements include a new hot water tank. Ideally located near Crystal River’s renowned springs, boating, and natural attractions, this residence offers a lifestyle defined by tranquility and refined waterfront living.

Seller may consider Bitcoin (BTC), Ethereum (ETH), or USDC, subject to conversion to U. S. Dollars at closing and standard Florida title and escrow requirements.

Features

  • Rooms: 13
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room
  • Year Built: 1992
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,712
  • Acreage: 0.21
  • Est. Taxes: $13,106
  • Lot Desc: Cleared
  • View: Water
  • Water Front: Yes
  • Elem. School: Citrus Springs Elementar
  • Middle School: Citrus Springs Middle School
  • High School: Citrus High School
  • Pool: Heated, In Ground, Lighting, Screen Enclosure
  • Appliances: Cooktop, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Wine Refrigerator
  • MLS#: W7881401
  • Days on Market: 151 days
  • Website: https://www.raveis.com
    /eprop/W7881401/1821nw20thavenue_crystalriver_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/18/2026 1:17:31 AM)

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Mace L. RattetVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69957

914.260.5535

Mace.Rattet@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Francine SilbermanVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69244

914.260.2006

Francine.Silberman@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

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860.690.5052

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Our Insurance Division:

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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

1821 NW 20TH AVENUE, Crystal River, FL, 34428

$1,199,999

Janice McGrath-O'Brien

Luxury Properties Specialist

William Raveis Real Estate

Phone: 203.767.1126

Janice.McGrath@raveis.com

Mace L. Rattet

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.5535

Mace.Rattet@raveis.com

NMLS Mortgage Loan Originator ID 69957

Francine Silberman

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.2006

Francine.Silberman@raveis.com

NMLS Mortgage Loan Originator ID 69244

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $959,999 $959,999 $959,999
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.349% 6.183%
Monthly Tax Payment $1,092 $1,092 $1,092
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,756 $5,911 $8,101
Total Monthly Payment $6,973 $7,128 $9,318

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.