1920 NW 16TH STREET, CRYSTAL RIVER, FL, 34428
Active104 days on marketListed Apr 21, 2026MLS #TB8500334
About this home
1920 NW 16TH STREET
DEEP WATER CANALS. NO BRIDGE. Price per sqft includes the 2,000 SQFT detached garage. A rare combination of space, waterfront, and functionality—this property truly stands in a class of its own. Welcome to this exceptional 3-bedroom, 3-bathroom custom pool home with a dedicated office, perfectly situated on a rare double lot. Offering over 2,600 square feet of thoughtfully designed living space, this home combines quality construction, efficiency, and comfort. The open floor plan is filled with natural light and features fully insulated walls and attic for added energy efficiency and sound control. The spacious great room showcases floor-to-ceiling windows with beautiful water views, creating a seamless connection between indoor and outdoor living. Designed with accessibility in mind, the front door and most interior doorways are handicap accessible, providing ease of movement throughout the home. The kitchen is well-appointed with premium appliances, custom cabinetry, and a large island ideal for entertaining. Sliding glass doors lead to a private outdoor setting complete with a sparkling pool, mature landscaping, and expansive water views—perfect for relaxing or hosting guests. Enjoy approximately 160 feet of waterfrontage, complete with a seawall and two boat docks, offering plenty of space for boating, fishing, and waterfront enjoyment. A standout feature of the property is the 50x40 detached garage with 14+ foot ceilings, offering ample space for a 45-foot RV, multiple vehicles, airboats, tower boats or workshop use. The garage is equipped with both 50-amp and 200-amp service. Elevated shelving in both garages provides added protection. Recent updates include a new roof, new pool pump, microwave, two AC units (one new with a 10-year warranty), and fresh exterior paint completed in January of 2025. Home also features a gas water heater. Located in a peaceful setting away from the hustle and bustle of the bay, yet conveniently just 15 minutes from the area’s renowned springs and manatee sanctuary, as well as 15 minutes to the Gulf of Mexico. Optional HOA provides access to a private boat ramp. If you’ve been waiting for space, waterfront, and quality all in one—this is the one worth seeing in person.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,656
Sqft
0.55 ac
Lot size
2
Garage
2008
Year built
One
Levels
$621
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.
$10,602 /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
$10,602/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
$621 vs $215
Days on market
104 vs 65 typical
Where $621/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 748% 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 1920 NW 16TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$575,000
1940 NW 18TH STREET · same community
3 bd · 2 ba · 2,446 sqft · $235/sqft · 92 DOM
Sold · Jun ’26$650,000
1931 NW 18TH STREET · same community
3 bd · 2 ba · 2,101 sqft · $309/sqft · 12 DOM
Sold · Jun ’26$505,000
1941 NW 15TH STREET · same community
4 bd · 3.5 ba · 3,303 sqft · $153/sqft · 413 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 1920 NW 16TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1920 NW 16TH STREET — 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
1920 NW 16TH STREET FAQs
What would the monthly payment be for 1920 NW 16TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,602/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 1920 NW 16TH STREET?+
The most recent tax bill on record (2025) was $11,114. 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 $1,649,000, this home is listed about 411% 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 1920 NW 16TH STREET?+
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
$1,649,000 runs 748% above the CRYSTAL RIVER 34428 median — but at 2,656 sqft it's also 68% larger than 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.
03The price has already moved
Listed at $1,699,000, now $1,649,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PLANTATION REALTY, INC. · Lisa VanDeBoe. MLS #TB8500334.
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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