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3 Beds
3 Baths
3,695 sqft

$870,000

980 N Gardenview Terrace, Crystal River FL, 34429

Price per sqft$235.45
Built in1992
Property size3,695 sqft
Property typeResidential

Overview

Active

Listed May 7, 2026

Updated 12 days ago

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.

$5,788/mo

Est. mortgage payment based on a $870,000 home price.

All estimates are provided by Luxury Presence for informational purposes only. Actual amounts may vary.

Additional information

MLS® ID
854576

Interior Features

Bedrooms
3
Bathrooms
3
Fireplace
Yes
Cooling
Yes
Heating
Yes
Basement
No

Exterior Features

Lot Size
0.64 Acres

Other Property Details

Taxes
$10,836
Tax Frequency
Annually
Garage
Yes
View
Yes
Furnished
Yes
Pool
Yes
Waterfront
Yes
55+/Senior Community
No

Courtesy of Plantation Realty, Inc., Tina Champagne,
Listing Contact: (352) 804-4495 

All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor The Finley-Terrell Team shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

©2026 FL - REALTORS® Association of Citrus County (CMLS). All rights reserved.

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