Waterfront living
Raising our little ones in the charming coastal community of Crystal River is a no-brainer, and many of our neighbors choose this area for its waterfront location. There’s nothing quite like waterfront living in Crystal River, where the views are serene, the sunsets are spectacular, and the manatees are as much your neighbor as anyone else.
But, before you fall in love with the idea of morning coffees on your dreamy new deck, there are a few things to know about buying waterfront property in Florida’s Nature Coast. As a local realtor and Crystal River resident, I’m here to help you navigate what you need to know about buying a waterfront property in this charming small town.
Waterfront doesn’t mean the same thing in every neighborhood
The most important thing you need to know about waterfront living in Crystal River is that not all waterfront property is the same. This waterfront town offers a mix of canal-front homes, riverfront homes, bayfront homes, and even Gulf-access properties.
The property that’s ideal for you might not be ideal for everyone else. Do you want to paddleboard on a quiet canal or live on Kings Bay where the water traffic is busy and the views are endless?
It’s not just about the view
Unless, of course, it is. However, some waterfront homes might look ideal, but they’re not practical if the tides, water depth, and boat access aren’t what you’re looking for. What does this mean? Well, if you’re checking out a canal-front property, will your boat fit? Are there bridges and/or tide restrictions? What’s the average water depth year-round?
Flood Zones and Insurance
When you’re buying a waterfront home in Crystal River, go ahead and assume you are in a flood zone. While many factors are considered when it comes to flood zones and insurance, there is a good rule of thumb in Crystal River: If you live west of HWY 19, you’re going to face mandatory evacuations during any hurricane event because of the potential for flooding.
However, the elevation of your home also makes a difference. Before making an offer on a waterfront home in Crystal River, ask for a copy of the elevation certificate as well as insurance quotes.
Maintenance Matters
Let’s not forget something important – maintenance is a must. You take care of your home no matter where it’s located, but did you know here are additional maintenance musts when you live on the water? Oh, there are.
Salt air wears down your metals, your windows, and your finishes faster. Docks and seawalls require inspections and sometimes repair. Erosion – particularly along the river and the bay – can be a concern.
What does this mean? It means you need to factor in the cost of these maintenance items when budgeting for your home.
The water is home to many species
One of the most important things to remember when living on the water in Crystal River is that your home might be along the water, but the water is actually home to many different species. Crystal River is famously known for its manatees thanks to the warm waters of Three Sisters Springs. Alligators and snakes are also native to this area, and many other wildlife call Crystal River home.
There are manatee zones, boating rules, spring access rules, and many different things to consider before you make the waterfront in Citrus County home. Working with a realtor who is a local can help you understand what you’re getting yourself into and how you’re going to navigate your new lifestyle in this waterfront community.
Whether you’re looking for quiet canals or deepwater access, I can help you find the perfect waterfront property for you. If you’re dreaming of watching the dolphins play from your deck or hoping to launch your kayak straight from your garage, we can make that happen. I’d love to help you navigate this market so you can make all the exciting parts of waterfront living your new reality.
Tiffany Raiford 