11122 W COVE HARBOR DRIVE UNIT 112, CRYSTAL RIVER, FL, 34428
Active1 days on marketListed Aug 10, 2026MLS #TB8537415
About this home
11122 W COVE HARBOR DRIVE UNIT 112
Welcome to Pelican Cove, one of Crystal River's most desirable waterfront communities! This well-maintained 2-bedroom, 2-bath waterfront condo offers beautiful open-water views and the boating lifestyle you've been looking for, complete with a boat slip right outside your door. Inside, you'll find an eat-in kitchen with breakfast bar, fresh interior paint, updated faucets throughout, and newer lighting and ceiling fans in most rooms. The bathrooms have been refreshed with updated fixtures, while the upstairs bath also features newer LVP flooring and an updated elegantly tiled tub/shower surround. The outdoor A/C condenser and thermostat were replaced in 2022, and additional updates include newer air registers throughout and a recently replaced garbage disposal. Step outside to the screened back porch, where peaceful open-water views provide the perfect backdrop for morning coffee or relaxing at the end of the day. Pelican Cove offers an impressive array of amenities including a community pool, clubhouse for events, tennis and pickleball courts, RV/boat storage and a fish-cleaning station. The community has NEVER FLOODED, and the HOA provides extensive coverage including flood insurance, roof, paint and all exterior maintenance. All of this just minutes from downtown Crystal River, with easy access to the area's springs, waterways and Gulf Coast lifestyle. Fish, kayak or relax in your own backyard while watching the manatees and dolphins swim by. Whether you're looking for a full-time residence or a maintenance-free waterfront retreat, this condo puts the best of Crystal River living right outside your door.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,080
Sqft
0.02 ac
Lot size
1994
Year built
Two
Levels
$305
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.
$3,186 /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
$3,186/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
$305 vs $209
Days on market
1 vs 57 typical
Where $305/sqft sits among the 152 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)
80 of 152
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 75% 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 11122 W COVE HARBOR DRIVE UNIT 112
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$143,000
4080 N WOODLAND POINT
3 bd · 1 ba · 1,048 sqft · $136/sqft · 70 DOM
Sold · Oct ’25$185,000
11246 W FRESHWATER PATH
2 bd · 2 ba · 1,036 sqft · $179/sqft · 37 DOM
Sold · Dec ’25$230,000
3900 N BAY AVENUE UNIT 572
2 bd · 2 ba · 1,144 sqft · $201/sqft · 47 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
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11122 W COVE HARBOR DRIVE UNIT 112 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11122 W COVE HARBOR DRIVE UNIT 112 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Gavin's phone and CRM.
Straight answers
11122 W COVE HARBOR DRIVE UNIT 112 FAQs
What would the monthly payment be for 11122 W COVE HARBOR DRIVE UNIT 112?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,186/mo — principal and interest, the actual property-tax bill, the $633/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 11122 W COVE HARBOR DRIVE UNIT 112?+
The association fee works out to $633 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11122 W COVE HARBOR DRIVE UNIT 112?+
The most recent tax bill on record (2025) was $3,664. 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 11122 W COVE HARBOR DRIVE UNIT 112?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 $329,900, this home is listed about 9% above the Crystal River median of $302,450. The market section on this page shows how the area is trending.
Which schools are assigned to 11122 W COVE HARBOR DRIVE UNIT 112?+
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
$329,900 runs 75% above the CRYSTAL RIVER 34428 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $633/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 1 day on market in a Crystal River market that averages 57 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of TROPIC SHORES REALTY LLC · Sandra Oller Deem. MLS #TB8537415.
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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