David Ramirez
$875,0003 bd3 ba3,695 sqft$237 /sqft$6,113 /mo all-in ↓

980 N GARDENVIEW TERRACE, CRYSTAL RIVER, FL, 34429

Active83 days on marketListed May 8, 2026MLS #OM724364

Private poolSingle Family ResidenceWOODWARD PARK 1ST ADD

About this home

980 N GARDENVIEW TERRACE

Virtually Staged. Welcome to “the pretty lady of Crystal River”, seated high overlooking Kings Bay, a one-of-a-kind waterfront retreat that perfectly captures the charm, lifestyle, and investment potential of Florida’s Nature Coast. Perched on an expansive 0.64-acre lot w/ a $1M water view, this elevated home immediately impresses w/ its huge wraparound porch, ideal for morning coffee, sunset cocktails, & soaking in the peaceful surroundings. Out back, a smaller porch overlooks the beautifully resurfaced pool, enclosed w/in a striking 2-story screen enclosure, creating a private resort-style setting right at home. Inside, you’ll find 3,695 sqft of living space (4,679 total under roof) designed for both comfort & entertaining. The main living area features a wood-burning fireplace, while the open kitchen flows seamlessly into the living room & connects to a designated dining room. Just off the kitchen, a sunroom wrapped in windows showcases breathtaking water views, bringing the outdoors in year-round. The home has 3 bedrooms and 2 bathrooms on the upper 2 floors, w/ the primary suite occupying the top level—a true sanctuary complete w/ a private balcony overlooking Kings Bay. The 1st level adds incredible flexibility w/ a bonus room, flex space, & a convenient pool bath, making it perfect for guests, recreation, or additional rental potential. Thoughtful upgrades include: Metal roof, tankless water heater, composite wood front steps, completely fenced backyard w/ double gate, dedicated space for RV parking w/ the opportunity to generate additional income by renting it out. This property has been as a short-term rental and can be sold fully furnished w/ an established book of business, a turnkey investment opportunity. Nestled on a private cove next to King Spring, the home sits in one of the most sought-after areas of Crystal River. This is where manatees gather for warm water refuge, and where divers came to earn their certifications. Crystal River itself is a 1st magnitude spring system connected directly to the Gulf, offering endless opportunities for boating, scalloping, fishing, kayaking, & swimming w/ the manatees. Despite its growing popularity, it still retains that coveted “Old Florida” feel—a laid-back lifestyle just 1 hr from Tampa via the Suncoast Parkway, 30 minutes to Ocala, & an hour to Gainesville. Outdoor enthusiasts will love being able to bike to Fort Island Trail Beach or hop onto the 46-mile Withlacoochee State Trail. And w/ ongoing revitalization in the area, property values continue to rise—making this an ideal time to invest. As a resident of Woodward Park, you’ll also enjoy deeded access to the seawall directly in front of the home, where you can launch kayaks or temporarily tie up your boat. This setup delivers the benefits of waterfront living w/out the waterfront property taxes & lower shared maintenance costs. Whether you’re searching for a primary residence, vacation home, or income-producing investment, this stunning waterfront property delivers on every level.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

3,695

Sqft

0.64 ac

Lot size

2

Garage

1992

Year built

Three Or More

Levels

$237

Per sqft

Private poolFireplaceTurnkey

Inside

FlooringCarpet · Ceramic Tile · Concrete · Engineered Hardwood
AppliancesCooktop · Dishwasher · Disposal · Dryer · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · PrimaryBedroom Upstairs · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air · Wall/Window Unit(s)
HeatingElectric · Heat Pump
FurnishedTurnkey

Outside & construction

RoofMetal
ConstructionWood Frame · Wood Siding
FoundationBlock · Slab
FacesNorth
ParkingBoat · RV Parking
ExteriorBalcony · Fire Pit · French Doors · Sliding Doors

Community & fees

Taxes (2025)$10,836/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,113 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,721
PMI (est., until 20% equity)$328
Property tax — 2025 actual bill$903
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $87,500Loan30-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% · $87,500
Interest rate6.00%
Loan term

Estimated payment

$6,113/mo

Principal & interest$4,721
PMI (est., until 20% equity)$328
Property taxes (actual bill)$903
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.

$/sqft vs Crystal River actives

$237 vs $219

Days on market

83 vs 65 typical

Where $237/sqft sits among the 144 Crystal River actives

56
37 · this home
19
11
8
13
$111–184$184–258$258–331$331–404$404–478$478+

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

Map of 980 N GARDENVIEW TERRACE

Get to know Crystal River. See the full Crystal River guide →

CRYSTAL RIVER 34429 — neighborhood snapshot

Population

9,494

Median age

63.7

Median income

$57,716

Median home value

$220,300

Avg household

2.14

Households w/ children

490

For the school run

Citrus County School District

MiddleCrystal River Middle School★★★★
HighCrystal River High School★★★★★
ElementaryCrystal River Primary School★★★★★

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

The numbers that matter

The Crystal River market

Seller’s marketLeans buyer8.3 months of inventoryBuyer’s market

$315K$235K

Crystal River median sold, yr/yr

93.8%

Sale-to-list ratio (12 mo)

75 of 144

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 237% above the CRYSTAL RIVER 34429 median. See the full Crystal River market guide →

Paper trail

This home's history

May 8, 2026Listed at $875,000 · 83 days on market since
1992Built · WOODWARD PARK 1ST ADD

Reality check

What actually sold near 980 N GARDENVIEW TERRACE

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

950 N GARDENVIEW TERRACESold · Oct ’25

$333,200

950 N GARDENVIEW TERRACE · same community

3 bd · 2 ba · 1,456 sqft · $229/sqft · 0 DOM

827 SW KINGS BAY DRIVESold · Mar ’26

$1,100,000

827 SW KINGS BAY DRIVE

4 bd · 3 ba · 3,529 sqft · $312/sqft · 167 DOM

497 N AFTERGLOW CIRCLESold · Nov ’25

$260,000

497 N AFTERGLOW CIRCLE

4 bd · 4 ba · 3,327 sqft · $78/sqft · 75 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 980 N GARDENVIEW TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 980 N GARDENVIEW TERRACE — 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.

Goes straight to David’s phone and CRM.

Straight answers

980 N GARDENVIEW TERRACE FAQs

What would the monthly payment be for 980 N GARDENVIEW TERRACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,113/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 980 N GARDENVIEW TERRACE?+

The most recent tax bill on record (2025) was $10,836. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Crystal River?+

At $875,000, this home is listed about 171% 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 980 N GARDENVIEW TERRACE?+

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.

Listing courtesy of OCALA MARION COUNTY ASSOCIATION OF REALTORS® INC · Reciprocal Listing OMCAR. MLS #OM724364.

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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