Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

List Price

$925,000

2120 15th, Crystal River, FL 34428

44 days on market

Estimated Payment

$7,841/mo

$0 down with a USDA loan and current market rates

Bedrooms2 bdBathrooms3 baLiving area1,400 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2016

Listed by

Coby McClellan

LPT REALTY, LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

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Welcome to waterfront living in desirable Woodland Estates in Crystal River. This 2-bedroom, 2.5-bath stilt home offers the ultimate setup for enjoying Florida’s Nature Coast, complete with a private pool, covered boat lift, canal frontage, and the option to purchase the property as a truly turnkey waterfront retreat—including the boat currently on the lift. All living space is located upstairs, where an inviting open-concept floor plan brings together the kitchen, dining, and living areas. The kitchen features hard-surface countertops, stainless steel appliances, and plenty of cabinetry, while plantation shutters throughout add a classic coastal touch. Impact/storm windows provide additional protection and peace of mind. The split-bedroom layout provides privacy for both owners and guests. The spacious primary suite includes a private ensuite bathroom and walk-in closet, creating a comfortable retreat away from the main living areas. Just off the interior living space, the screened rear porch is perfect for morning coffee, an evening cocktail, or grilling dinner while enjoying the waterfront setting. Outside is where this home really shines. The private pool features a sun deck and elegant glass surround, creating a beautiful resort-inspired space for relaxing and entertaining. A convenient pool half bath means there’s no need to head upstairs during a day spent by the water. Boaters will appreciate the covered 10,000-lb boat lift located directly on the canal, keeping your boat protected and ready to go. From your backyard, head out to explore Crystal River, the natural springs, and the Gulf of America for boating, fishing, kayaking, wildlife viewing, and unforgettable days on the water. Adding to its one-of-a-kind setting, the property also borders Crystal River Archaeological State Park, placing the beauty and history of the Nature Coast right outside your door. Explore the park's historic Native American mounds, enjoy nearby trails for walking, hiking, and biking, and experience a remarkable piece of Florida history—all just steps from home. The lower level also features a single-vehicle garage, providing valuable space for storage, boating and fishing gear, tools, or a workshop. The home also has space for a future elevator, offering the opportunity to add even greater convenience between levels. Best of all, the property is available with a turnkey package for buyers who want to start enjoying their Crystal River getaway immediately. Furnishings and household items can be included—and even the Ranger 223 tritoon with a 150 HP motor currently sitting on the lift can be part of the package. Pool. Boat. Gulf access. Furnishings. Just bring your toothbrush and start living the Crystal River lifestyle.

2120 15th, Crystal River, FL 34428 in Crystal River, FL 34428 is listed for $925,000. The home has 2 bedrooms, 3 bathrooms, and 1,400 square feet, and was built in 2016. Listed 44 days ago. The listing is held by LPT REALTY, LLC.

34428 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$5,598 (tax year 2025)
HOA fee$12 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$7,841/moest.

0% down -- about $1,586 more per month than 20% down conventional.

  • Principal & Interest 81%
  • Property Taxes 6%
  • Insurance 10%
  • HOA 0%
  • USDA Fee 3%
Principal & Interest
$6,319
Property Taxesfrom listing
$467
Insurance
$771
HOA
$12
USDA Annual Fee
$272

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$9,250

30-year fixed at 7.164%, as of November 10, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $7,841, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $5,598 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR812603472. HomeJam is not the listing broker.

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