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

A sense of calm and refinement welcomes you the moment you arrive at this exceptional waterfront residence, where water, light, and architecture come together in perfect harmony. As you step inside, your gaze is immediately drawn upward to soaring vaulted ceilings accented with warm wood planking, while expansive architectural windows frame serene canal views and flood the home with natural light.

The main living spaces are thoughtfully designed to capture the beauty of the waterfront, offering an effortless flow between indoor and outdoor living. New luxury vinyl flooring throughout the second and third floors, paired with new interior doors and designer lighting, creates a clean, modern backdrop that allows the surrounding water views to take center stage. The living and dining areas open seamlessly to a spacious waterfront balcony—an ideal setting for morning coffee, sunset gatherings, or simply watching the water drift by.

At the heart of the home, the kitchen invites connection and creativity with generous cabinetry, stainless steel appliances, an oversized island, and windows that bring the outdoors in. Whether entertaining guests or enjoying a quiet evening at home, this space is as functional as it is inviting.

The primary suite bath is a true retreat, offering a spa-like experience with a freestanding soaking tub, double vanity, modern fixtures, and a walk-in shower, all designed to evoke a sense of relaxation and understated luxury.

The downstairs level expands the home’s versatility and lifestyle appeal, offering a private space ideal for an in-law suite, guest retreat, or extended living area. With a newly updated bath featuring granite countertops and modern finishes, this level opens directly to the outdoor living spaces and pool, creating a seamless transition from interior comfort to waterfront leisure.

Outside, the home transforms into a private resort. A resurfaced screened-in pool is surrounded by expansive brick pavers, lush new landscaping, and a covered ductless seating area designed for year-round enjoyment. The private dock and 8, 000-lb boat lift make boating and fishing effortless, while the new fish cleaning table speaks to the true coastal lifestyle Crystal River is known for.

Additional upgrades, including a new hot water tank, enhance everyday comfort and peace of mind. Ideally positioned near Crystal River’s famed springs, boating, and natural beauty, this waterfront property offers not just a home, but a way of life defined by tranquility, elegance, and connection to the water.

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: 2,672
  • Acreage: 0.21
  • Est. Taxes: $13,106
  • Lot Desc: Cleared
  • View: Water
  • 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: 2 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 1/13/2026 6:34:58 PM)
Listing courtesy of COLDWELL BANKER WEAVER GROUP REALTY   Phone: 352-592-7576

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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

$1,199,999

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

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** 5.500% 6.000% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.229% 6.121% 6.018%
Monthly Tax Payment $1,092 $1,092 $1,092
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,451 $5,756 $8,036
Total Monthly Payment $6,668 $6,973 $9,253

* 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.