David Ramirez
$2,250,000$2,600,0004 bd3 ba4,394 sqft$512 /sqft$14,455 /mo all-in ↓

2435 N WATERSEDGE DRIVE, CRYSTAL RIVER, FL, 34429

Active326 days on marketListed Sep 1, 2025MLS #W7878622

Reduced $350KWaterfrontPrivate poolSingle Family ResidenceCRYSTAL SHORE ESTATES

About this home

2435 N WATERSEDGE DRIVE

Fully Furnished Crystal River Luxury Waterfront Estate on King's Bay. Welcome to one of the most extraordinary waterfront residences ever offered in Crystal River—a breathtaking estate that embodies luxury living, unrivaled location, and endless recreational possibilities. Perfectly positioned on a coveted peninsula at the heart of King's Bay, this property offers something truly irreplaceable: sweeping 180-degree views up and down the main river, not just a canal. From sunrise to sunset, the views here are nothing short of spectacular, making it one of the most sought-after waterfront vantage points in all of Florida's Nature Coast. A Home That Marries Elegance & Functionality.Completely reimagined and fully renovated, this turnkey residence is both a private retreat and an investment powerhouse- as a luxury VRBO, even amidst pandemic restrictions. Offering more than 4,400 square feet of climate-controlled living space (including over 2,700 square feet upstairs), the home blends timeless style with modern convenience. Step inside and be immediately captivated by walls of windows framing glittering water views from every direction. The gourmet kitchen, updated in 2021, boasts granite counters, custom cabinetry, a breakfast bar, and a large pantry—perfect for both casual dining and hosting. It flows seamlessly into the spacious family room, where the river is your backdrop for every gathering. Formal living and dining spaces offers additional sophistication, all designed to take advantage of the panoramic setting. The master suite is a sanctuary unto itself, with a California King bed, spa-style bath featuring dual vanities, oversized shower, and soaking tub. Sliding doors open to a private waterside deck where morning coffee or evening cocktails are enjoyed with uninterrupted river views. Two additional queen bedrooms and a beautifully updated full bath complete the upstairs accommodations. Versatile Lower-Level Living. The ground floor is designed for fun, flexibility, and multi-family enjoyment. A second living area with kitchenette opens to a spacious recreation/game room and a bunk suite that sleeps up to nine guests—ideal for little ones, extended family, or rental groups. With three bathrooms (all renovated in 2021), multiple living areas, and smart design, this estate easily accommodates large gatherings without ever feeling crowded. Resort-Style Outdoor Living. Step outside and discover a true Florida paradise. A sparkling private pool is set against the backdrop of the river, with multiple sitting areas perfect for entertaining or relaxing in total privacy. The expansive dock provides everything a boating enthusiast could dream of: a covered Boathouse, separate lift, and direct Gulf access. From here, embark on scalloping trips, sunset cruises, or simply watch the parade of boats drift by while dolphins and manatees make their daily appearances. Location: Beyond the gates of this cul-de-sac enclave lies the very best of the Nature Coast. From the property, you are minutes to Three Sisters Springs, Plantation Golf Club, waterfront restaurants, and the open Gulf of Mexico. Whether you're swimming with manatees, exploring local shops, or savoring world-class fishing and scalloping, life here is a seamless blend of luxury and adventure. This home is more than a residence—it's a lifestyle, an investment, and an escape unlike any other. Opportunities to own a property of this caliber in Crystal River are exceedingly rare!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

4,394

Sqft

0.42 ac

Lot size

3

Garage

1996

Year built

Two

Levels

$512

Per sqft

Private poolWaterfrontFireplaceWater view

Inside

FlooringCarpet · Ceramic Tile · Concrete
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Freezer · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Dry Bar · Eating Space In Kitchen · High Ceilings · PrimaryBedroom Upstairs · Solid Wood Cabinets · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric · Heat Pump

Outside & construction

RoofMetal
ConstructionBlock · Vinyl Siding · Wood Frame
FoundationPillar/Post/Pier · Stilt/On Piling
ViewWater
FacesNortheast
ParkingBoat · Guest · Parking Pad
ExteriorAwning(s) · Balcony · Hurricane Shutters · Irrigation System · Lighting · Outdoor Shower · Sliding Doors · Storage

Community & fees

Taxes (2024)$15,729/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Phone Available · Public · 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.

$14,455 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$12,141
PMI (est., until 20% equity)$844
Property tax — 2024 actual bill$1,311
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $225,000Loan30-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% · $225,000
Interest rate6.00%
Loan term

Estimated payment

$14,455/mo

Principal & interest$12,141
PMI (est., until 20% equity)$844
Property taxes (actual bill)$1,311
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

$512 vs $213

Days on market

326 vs 65 typical

Where $512/sqft sits among the 144 Crystal River actives

58
35
20
11
8
12 · this home
$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 2435 N WATERSEDGE DRIVE

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 766% above the CRYSTAL RIVER 34429 median. See the full Crystal River market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,250,000 $350K
Sep 1, 2025Listed at $2,600,000 · 326 days on market since
1996Built · CRYSTAL SHORE ESTATES

Reality check

What actually sold near 2435 N WATERSEDGE DRIVE

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

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

2040 NW 13TH STREETSold · Oct ’25

$1,350,000

2040 NW 13TH STREET

3 bd · 3 ba · 3,480 sqft · $388/sqft · 124 DOM

1941 NW 15TH STREETSold · Jun ’26

$505,000

1941 NW 15TH STREET

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2435 N WATERSEDGE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2435 N WATERSEDGE DRIVE — 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

2435 N WATERSEDGE DRIVE FAQs

What would the monthly payment be for 2435 N WATERSEDGE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,455/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 2435 N WATERSEDGE DRIVE?+

The most recent tax bill on record (2024) was $15,729. 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 $2,250,000, this home is listed about 598% 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 2435 N WATERSEDGE DRIVE?+

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

$2,250,000 runs 766% above the CRYSTAL RIVER 34429 median — but at 4,394 sqft it's also nearly 3 times 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

326 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 $2,600,000, now $2,250,000 — a $350K cut. The full history is in the market section below.

Listing courtesy of CENTURY 21 ALLIANCE REALTY · Jared Tanner. MLS #W7878622.

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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