2130 NW 14TH STREET, CRYSTAL RIVER, FL, 34428
Active283 days on marketListed Oct 24, 2025MLS #V4945558
About this home
2130 NW 14TH STREET
Welcome to your waterside sanctuary in the heart of Florida’s Nature Coast! This stunning three-story home offers approximately 2,965 sq ft of living space with 4 bedrooms and 2 full baths—perfectly designed to capture the essence of seaside living. Situated directly on the riverfront in Crystal River, you’ll wake up to sweeping open-water views and enjoy boating access that invites adventures right from your backyard. Inside, modern upgrades abound: sleek stainless-steel appliances, an elevator servicing all floors for effortless mobility, and a well-maintained rip-rap seawall that provides long-term waterfront stability and peace of mind. The outdoor amenities are a true boater’s dream. A covered dock accommodates a 36-foot boat, while an additional covered dock is perfect for a smaller vessel. A floating drive-on double jet ski dock adds even more fun and convenience for water enthusiasts. The primary retreat spans the entire top floor, offering breathtaking panoramic views and private access to a spiral staircase that leads directly to the pool deck below—the perfect touch of elegance and ease for morning swims or sunset lounging. Outside, entertain in style with a heated pool, lush landscaped grounds, and multi-level outdoor spaces that embrace the Florida lifestyle. Built in 1997, this home blends timeless architecture with contemporary amenities, all within minutes of downtown Crystal River’s dining, shopping, and aquatic attractions. If you’ve been searching for a turn-key riverfront residence that delivers both serenity and daily access to the Gulf, this one has it all.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,965
Sqft
0.28 ac
Lot size
2
Garage
1997
Year built
Three Or More
Levels
$1,164
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.
$21,964 /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
$21,964/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
$1,164 vs $215
Days on market
283 vs 65 typical
Where $1,164/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)
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 1721% 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 2130 NW 14TH STREET
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$1,600,000
2235 N KINGS COVE POINT
3 bd · 2.5 ba · 3,101 sqft · $516/sqft · 131 DOM
Sold · Jun ’26$505,000
1941 NW 15TH STREET
4 bd · 3.5 ba · 3,303 sqft · $153/sqft · 413 DOM
Sold · Jul ’26$950,000
1801 NW 20TH AVENUE
3 bd · 2.5 ba · 2,586 sqft · $367/sqft · 250 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 2130 NW 14TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2130 NW 14TH 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
2130 NW 14TH STREET FAQs
What would the monthly payment be for 2130 NW 14TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $21,964/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 2130 NW 14TH STREET?+
The most recent tax bill on record (2024) was $22,734. 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 $3,450,000, this home is listed about 970% 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 2130 NW 14TH 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
Four things that matter here
01Positioned at the premium end
$3,450,000 runs 1721% above the CRYSTAL RIVER 34428 median — but at 2,965 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
283 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 $3,790,000, now $3,450,000 — a $340K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SOUTHERN EXCLUSIVE REALTY CORP · John Yeater. MLS #V4945558.
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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