1740 NW 20TH AVENUE, CRYSTAL RIVER, FL, 34428
Active317 days on marketListed Sep 19, 2025MLS #J993183
About this home
1740 NW 20TH AVENUE
Welcome to your dream waterfront retreat in beautiful Crystal River, Florida. This custom-built 4-bedroom, 3-bathroom stilt home is perfectly situated on a deep water canal with no bridges to navigate, offering direct Gulf access and endless opportunities for boating, fishing, and coastal relaxation. The property features a spacious, open concept floor plan with a stunning stone fireplace and a soaring cypress tongue and groove plank ceiling that adds warmth and character to the main living space. The gourmet kitchen is outfitted with stainless steel appliances, rich wood cabinetry, and luxurious granite countertops, great for entertaining or everyday living. Step out onto the large screened porch and enjoy peaceful views of the water, wildlife, and coastal breezes. The spacious master suite includes a luxurious en-suite bath with heated floors for added comfort, while a loft space adds flexibility for a home office or bonus area. Enjoy sunrises and balcony access from both spare bedrooms in the upstairs living area. Downstairs, guest quarters provide a comfortable space for visitors or multigenerational living that is equipped with a living room, a kitchenette, a bedroom, and its own screened-in porch. The two-car garage includes a dedicated workshop, and the oversized driveway offers plenty of space for RV, boat, or guest parking. A 3-level lift adds convenience to this elevated home. For boating enthusiasts, a 40-foot floating dock and 10,000-pound boat lift make getting out on the water a breeze. From your backyard, it's just a 15-minute boat ride to the Gulf of America and only 10 minutes to Kings Bay, home to multiple waterfront restaurants and famous freshwater springs, including the world-renowned Three Sisters Springs. A nearby community boat ramp adds even more convenience for launching extra watercraft. Whether you're relaxing on the porch, exploring the springs, or enjoying waterfront dining just minutes away, this property delivers the very best of the Florida lifestyle in a location that feels like a hidden gem.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,128
Sqft
0.23 ac
Lot size
2
Garage
1988
Year built
Three Or More
Levels
$304
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 — not generic estimates.
$5,972 /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
$5,972/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
$304 vs $215
Days on market
317 vs 65 typical
Where $304/sqft sits among the 141 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 → $235K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
69 of 141
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 388% 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 1740 NW 20TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$950,000
1801 NW 20TH AVENUE · same community
3 bd · 2.5 ba · 2,586 sqft · $367/sqft · 250 DOM
Sold · Sep ’25$600,000
1821 NW 20TH AVENUE · same community
4 bd · 3 ba · 2,159 sqft · $278/sqft · 103 DOM
Sold · Nov ’25$745,000
1720 NW 20TH AVENUE · same community
3 bd · 2 ba · 2,036 sqft · $366/sqft · 46 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1740 NW 20TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1740 NW 20TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1740 NW 20TH AVENUE FAQs
What would the monthly payment be for 1740 NW 20TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,972/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 1740 NW 20TH AVENUE?+
The most recent tax bill on record (2024) was $3,953. 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 1740 NW 20TH AVENUE?+
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 $950,000, this home is listed about 195% above the Crystal River median of $322,450. The market section on this page shows how the area is trending.
Which schools are assigned to 1740 NW 20TH AVENUE?+
Crystal River Middle School (middle), Crystal River High School (high), Crystal River Primary School (elementary) — Citrus 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
$950,000 runs 388% above the CRYSTAL RIVER 34428 median — but at 3,128 sqft it's also nearly twice 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.
03Time on market is leverage
317 days on market against a Crystal River median of 65 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,175,000, now $950,000 — a $225K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J993183.
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.
Never miss a listing
New Crystal River homes, in your inbox
Like 1740 NW 20TH AVENUE but not quite? A daily digest of every new listing in Crystal River — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →