About This Home

This 3-bedroom, 3-bathroom single family at 980 N Gardenview Terrace in Crystal River, FL is listed for $870,000 ($235 per sqft). Built in 1992, the home offers 3,695 sqft of living space on a 0.64 acres lot.

Key Features

  • Built in 1992
  • 0.64 acre lot
  • 2 parking spaces
  • Fireplace
  • Waterfront

Property Details

3 full
2-car garage
1992

Amenities

FireplaceWaterfrontViewA/CRV Parking
Listing Description

OWNER FINANCING AVAILABLE - 4.5% INTEREST AMORTIZED OVER 30 YRS W/ 5 YR BALLOON PAYMENT & 25% DOWN. NEW METAL ROOF - Oct 2026. 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, ideal for morning coffee, sunset cocktails, & soaking in the peaceful surroundings. Out back, a smaller porch overlooks the beautifully resurfaced pool, enclosed w/in a striking 2-story screen enclosure, creating a private resort-style setting right at home.

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 bedrooms and 2 bathrooms 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: Metal roof, 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, & an 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.

Monthly Cost Estimate

$4,653/mo

20% down · 6.5% · 30 years

Principal$629
Interest$3,770
Insurance$254

Estimates only. Actual payments may vary.

Location

980 N Gardenview Terrace

Crystal River, FL 34429

Woodward Park

Features & Amenities

Interior Features

AtticBeamedCeilingsDualSinksEatInKitchenFurnishedFireplacePrimarySuiteOpenFloorplanPullDownAtticStairsStoneCountersSittingAreaInPrimaryShowerOnlySeparateShowerUpperLevelPrimaryWalkInClosetsWoodCabinetsWindowTreatmentsSecondFloorEntryFrenchDoorsAtriumDoorsSlidingGlassDoors

Exterior Features

BalconyDeckLandscapingRainGuttersConcreteDriveway

Property Details

Flooring

EngineeredConcreteCarpetTile

Construction

Frame WoodSiding

Views

WaterRiver

Outdoor Features

Deck

Parking

RVDrivewayGarageBoat

Heating

Heat Pump (Heating)

Cooling

Central AirElectricWindow Unit(s)

Appliances

DryerDishwasherElectricOvenElectricRangeDisposalMicrowaveRefrigeratorRangeHoodWaterHeaterWasherInstantHotWater

Questions & Answers

This 3-bedroom, 3-bathroom single family at 980 N Gardenview Terrace is listed at $870,000 ($235/sqft). The estimated monthly payment is $4,653 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1992, 0.64 acre lot, 2 parking spaces, Fireplace, Waterfront. Interior Features: Attic, BeamedCeilings, DualSinks. Exterior Features: Balcony, Deck, Landscaping.

This property is listed by Tina Champagne.

TC

Tina Champagne

License 3332634

Agent at Plantation Realty, Inc.

Listed by Plantation Realty, Inc. · Broker phone: (352) 795-0784 · View on Broker Site · Broker website

MLS# 854576· Source: REALTORS Association of Citrus County, Inc.· 173 days on PropertySimple

Copyright © 2026 REALTORS Association of Citrus County, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

980 N Gardenview Terrace, Crystal River, FL 34429

Open this listing in: