IDX

Listed by Tina Champagne · Courtesy of PLANTATION REALTY, INC. · 352-795-0784 · Agent MLS ID# MFR271514735 · Deemed reliable but not guaranteed. · Listing updated: Nov 13, 2026 · 5:09 PM

Active

980 N Gardenview TER, CRYSTALRIVER FL 34429

Crystal River, Citrus, FL, 34429

$870,000

$235/sqft

3Beds
3Baths
3,695Sq Ft
1992Built
190Days on Market

About this home

OWNER FINANCING AVAILABLE - 4.5% INTEREST AMORTIZED OVER 30 YRS W/ 5 YR BALLOON PAYMENT & 25% DOWN. NEW METAL ROOF. Welcome to “the pretty lady of Crystal River”, seated high overlooking Kings Bay, a one-of-a-kind waterfront retreat that perfectly captures the charm, lifestyle, and investment potential of Florida’s Nature Coast. Perched on an expansive 0.64-acre lot w/ a $1M water view, this elevated home immediately impresses w/ its huge wraparound porch. Out back, a smaller porch overlooks the beautifully resurfaced pool, enclosed w/in a striking 2-story screen enclosure. Inside, you’ll find 3,695 sqft of living space (4,679 total under roof) designed for both comfort & entertaining. The main living area features a wood-burning fireplace, while the open kitchen flows seamlessly into the living room & connects to a designated dining room. Just off the kitchen, a sunroom wrapped in windows showcases breathtaking water views, bringing the outdoors in year-round. The home offers 3 beds and 2 baths on the upper 2 floors, w/ the primary suite occupying the top level—a true sanctuary complete w/ a private balcony overlooking Kings Bay. The 1st level adds incredible flexibility w/ a bonus room/4th Bedroom, flex space, & a convenient pool bath, making it perfect for guests, recreation, or additional rental potential. Thoughtful upgrades include: tankless water heater, composite wood front steps, completely fenced backyard w/ double gate, dedicated space for RV or boat trailer parking. This property has been as a short-term rental and can be sold fully furnished w/ an established book of business, offering a turnkey investment opportunity. Nestled on a private cove next to King Spring, the home sits in one of the most sought-after areas of Crystal River. This is where manatees gather for warm water refuge, and where divers came to earn their certifications. Crystal River itself is a 1st magnitude spring system connected directly to the Gulf, offering endless opportunities for boating, scalloping, fishing, kayaking, & swimming w/ the manatees. Despite its growing popularity, it still retains that coveted “Old Florida” feel—a laid-back lifestyle just 1 hr from Tampa via the Suncoast Parkway, 30 minutes to Ocala, & 1 hour to Gainesville. Outdoor enthusiasts will love being able to bike to Fort Island Trail Beach or hop onto the 46-mile Withlacoochee State Trail. And w/ ongoing revitalization in the area, property values continue to rise—making this an ideal time to invest. As a resident of Woodward Park, you’ll also enjoy deeded access to the seawall directly in front of the home, where you can launch kayaks or temporarily tie up your boat. This setup delivers the benefits of waterfront living w/out the waterfront property taxes & lower shared maintenance costs. House is being used as a short-term rental so please call or use ShowingTime to schedule a viewing. This is a turn key investment property being sold with the book of business or all contents can be removed prior to closing. The seawall in front of the home is shared with other residents of Woodward Park. The primary living space was not affected by hurricane Helen in 2024, only the garage and downstairs space. The owner does not have flood insurance. Homeowners insurance is $3582/year. Blue polywood picnic table set by the pool, 2 rocking chairs on front porch and antique display case in living room DO NOT convey.

Facts & Features

MFRCC854576
$870,000
Active
3
3
3
0
3,695 sqft
0.6400
1992
Residential
Single Family Residence
N/A

Community Information

980 N Gardenview TER, CRYSTALRIVER FL 34429
N/A
Crystal River
Citrus
FL
34429
No

Amenities

N/A
N/A
No
No
Yes

Interior

Open Floorplan, Walk-In Closet(s), Eat-in Kitchen, Solid Wood Cabinets, Stone Counters, Pull Down Stairs, Beamed Ceilings
Heat Pump
Central Air, Wall/Window Unit(s)
Tile, Carpet, Hardwood, Concrete
Wood Burning
2
Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer, Range, Other, Range Hood, Tankless Water Heater

Exterior

Rain Gutters, Balcony
Wood Siding, Frame
Slab, Block
Metal
Fenced, Chain Link, Other, Vinyl
Level, Cleared, Corner Lot

School Information

Crystal River Primary School
Crystal River Middle School
Crystal River High School

Additional Information

May 7, 2026
190
R1
Northeast
No

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This calculator provides estimates for informational purposes only and is not a loan offer, pre-approval, or commitment to lend. Actual rates, payments, and loan terms vary by lender and are subject to credit approval, income/asset verification, and market conditions. Property tax and homeowners insurance shown are estimates and may differ. PMI applies when the down payment is under 20%. For an official Loan Estimate, contact a licensed mortgage lender. PLANTATION REALTY, INC. is a licensed real estate brokerage, not a mortgage lender. Equal Housing Opportunity.

190 days on market

Listing updated: Nov 13, 2026 · 5:09 PM

Listed by: Tina Champagne · 352-804-4495—PLANTATION REALTY, INC. · 352-795-0784

Updated from Real Estate Market Data

Location

AEAhmed ElbatrawyEmpire Network Realty

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