11170 W COVE HARBOR DRIVE UNIT 121, CRYSTAL RIVER, FL, 34428
Active9 days on marketListed Jul 29, 2026MLS #OM729407
About this home
11170 W COVE HARBOR DRIVE UNIT 121
Waterfront Living with Your Own Boat Slip & Lift in Pelican Cove! Welcome to maintenance-free waterfront living in the beautiful community of Pelican Cove in Crystal River. This beautifully updated 3-bedroom, 2-bath upstairs condominium offers 1,246 square feet of living space (1,600 total square feet), a private one-car garage, and one of the most sought-after amenities for boating enthusiasts—your own deeded boat slip with a 10,000-pound lift. Best of all, this unit has never flooded. Step inside to discover a bright and airy interior featuring neutral colors, updated finishes, and an inviting open floor plan designed to maximize both comfort and the beautiful water views. The spacious living and dining areas flow seamlessly into the updated kitchen, creating the perfect space for entertaining or simply relaxing after a day on the water. Sliding glass doors lead to the screened balcony, where you can enjoy your morning coffee while overlooking the peaceful canal that leads directly to Crystal River and the Gulf of America. Whether you're heading out for a day of fishing, scalloping, boating, or simply cruising the waterways, your boat is just steps away. From your private lift, it's approximately a 20-minute boat ride to either the crystal-clear springs of Crystal River or the open waters of the Gulf, giving you the best of both freshwater and saltwater adventures. Pelican Cove offers a true resort-style lifestyle with a climate-controlled community pool, tennis and pickleball courts, a spacious clubhouse with a full kitchen and library, and a convenient fish-cleaning station for the day's catch. The monthly HOA provides exceptional value by covering exterior maintenance, roof replacement, exterior painting, grounds maintenance, irrigation, pest control, trash service, and even property, liability, and flood insurance, allowing you to enjoy worry-free ownership. The location couldn't be more convenient. You're just 2.5 miles from Historic Downtown Crystal River and Three Sisters Springs, where you can enjoy restaurants, boutique shopping, swimming with manatees, kayaking, paddleboarding, and year-round outdoor recreation. Hiking trails are less than a mile away, and the Suncoast Parkway is only about 10 minutes away, providing an easy commute to Tampa and surrounding areas. Whether you're searching for a full-time residence, a seasonal getaway, or the perfect waterfront retreat, this move-in-ready condo offers the ideal combination of boating, recreation, and carefree Florida living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,246
Sqft
0.04 ac
Lot size
1
Garage
1995
Year built
Two
Levels
$321
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 and the real association fee — not generic estimates.
$3,854 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,854/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
$321 vs $215
Days on market
9 vs 49 typical
Where $321/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 → $325K
Crystal River median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
73 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 112% 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 11170 W COVE HARBOR DRIVE UNIT 121
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$332,500
11006 W COVE HARBOR DRIVE UNIT 16
2 bd · 2 ba · 1,252 sqft · $266/sqft · 12 DOM
Sold · Dec ’25$230,000
3900 N BAY AVENUE UNIT 572
2 bd · 2 ba · 1,144 sqft · $201/sqft · 47 DOM
Sold · Jul ’26$220,000
1510 NW 22ND STREET
3 bd · 2 ba · 1,350 sqft · $163/sqft · 30 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 11170 W COVE HARBOR DRIVE UNIT 121 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11170 W COVE HARBOR DRIVE UNIT 121 — 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
11170 W COVE HARBOR DRIVE UNIT 121 FAQs
What would the monthly payment be for 11170 W COVE HARBOR DRIVE UNIT 121?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,854/mo — principal and interest, the actual property-tax bill, the $832/mo association fee 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.
How much are the HOA fees at 11170 W COVE HARBOR DRIVE UNIT 121?+
The association fee works out to $832 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11170 W COVE HARBOR DRIVE UNIT 121?+
The most recent tax bill on record (2025) was $3,974. 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 11170 W COVE HARBOR DRIVE UNIT 121?+
The listing reports pets: Cats OK, Dogs OK. 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 $399,900, this home is listed about 33% above the Crystal River median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 11170 W COVE HARBOR DRIVE UNIT 121?+
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
Three things that matter here
01Positioned at the premium end
$399,900 runs 112% above the CRYSTAL RIVER 34428 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $832/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of HOMES TO RANCHES REALTY INC · Amy Lord. MLS #OM729407.
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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