11025 W HARBOR WATCH LOOP UNIT 31, CRYSTAL RIVER, FL, 34428
Active15 days on marketListed Jul 9, 2026MLS #TB8527595
About this home
11025 W HARBOR WATCH LOOP UNIT 31
NEVER FLOODED and perfectly situated in the desirable waterfront community of Pelican Cove, this 2-bedroom, 1.5-bath condo offers maintenance-free Florida living with a 10,000-lb boat lift, community pool, tennis/pickleball courts, and a welcoming clubhouse with a full kitchen available for private events. Nestled on a quiet cul-de-sac directly across from the community pool, this furnished condo is ready for you to enjoy as a full-time residence, seasonal retreat, or investment opportunity. The interior features granite countertops in the kitchen, attractive wood-look tile flooring throughout most of the home, a private screened back porch for relaxing, a covered carport, and is being offered mostly turnkey with just a few sentimental items excluded. Yes, the HOA fee includes flood insurance, roof replacement and exterior paint. Adding both convenience & value to ownership. Boating enthusiasts will appreciate the easy access to Crystal River's waterways. Your deeded 10,000-lb boat lift provides convenient access to both the Crystal River springs and the Gulf of Mexico—each approximately a 20-minute boat ride, depending on which direction you head. (Exterior is currently being painted so please pardon the mess) Conveniently located just 2 miles from charming downtown Crystal River and only a few miles from the Suncoast Parkway, you'll enjoy easy access to local restaurants, shopping, waterfront attractions, and a straightforward commute to Tampa and surrounding areas. Whether you're looking for a weekend getaway, winter escape, investment property, or an affordable place to enjoy Florida's Nature Coast lifestyle, this Pelican Cove condo is ready for its next chapter.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,074
Sqft
0.02 ac
Lot size
1990
Year built
Two
Levels
$270
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.
$2,561 /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
$2,561/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
$270 vs $209
Days on market
15 vs 65 typical
Where $270/sqft sits among the 143 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)
75 of 143
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 45% 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 11025 W HARBOR WATCH LOOP UNIT 31
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 · same community
2 bd · 2 ba · 1,252 sqft · $266/sqft · 12 DOM
Sold · Dec ’25$143,000
4080 N WOODLAND POINT
3 bd · 1 ba · 1,048 sqft · $136/sqft · 70 DOM
Sold · Jan ’26$172,000
3410 N BAY AVENUE
2 bd · 2 ba · 1,104 sqft · $156/sqft · 157 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11025 W HARBOR WATCH LOOP UNIT 31 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11025 W HARBOR WATCH LOOP UNIT 31 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
11025 W HARBOR WATCH LOOP UNIT 31 FAQs
What would the monthly payment be for 11025 W HARBOR WATCH LOOP UNIT 31?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,561/mo — principal and interest, the actual property-tax bill, the $351/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 11025 W HARBOR WATCH LOOP UNIT 31?+
The association fee works out to $351 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11025 W HARBOR WATCH LOOP UNIT 31?+
The most recent tax bill on record (2025) was $2,579. 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 11025 W HARBOR WATCH LOOP UNIT 31?+
The listing reports pets: Yes. 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 $289,900, this home is listed about 10% below the Crystal River median of $322,450. The market section on this page shows how the area is trending.
Which schools are assigned to 11025 W HARBOR WATCH LOOP UNIT 31?+
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.
Keep looking
Similar homes nearby
Listing courtesy of TROPIC SHORES REALTY LLC · Sandra Oller Deem. MLS #TB8527595.
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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