Skip to content
Skip to content
TopHapOpen in map
CondominiumResidential
$266,431$213 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $149,000 on Jun 7, 2016

10972 W COVE HARBOR DR

CRYSTAL RIVER, FL 34428
2
Beds
2
Baths
1,252 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1,527 ft²
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$266K
$253K low$280K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$149,000 · Jun 7, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,115 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$197,044 (2025)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$197,044
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$197,044
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$197,044

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.68 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.97%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyCITRUS
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1994
Lot (acres)The size of the land the home sits on, from county records.0.04
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Fiberglass
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
ViewThe type of view from the property, or another feature of the site that affects value.Canal Front
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 126 ft²Patio · 126 ft²Porch · 94 ft²

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Crystal River Middle SchoolC-
Middle · Grades 6–8 · 2.1 mi
H
Crystal River High SchoolC-
High · Grades 9–12 · 2.5 mi
E
Crystal River Primary SchoolC+
Elementary · Grades PK–5 · 2.7 mi

District: Citrus County School District

Neighborhood · ZIP 34428These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.128
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.23

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.20%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.10,446
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.162 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,837
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$67,530
Average tempThe average temperature here across a full year.71°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10972 W Cove Harbor Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs more per square foot than 83% of homes in Citrus County
  • Smaller than 69% of homes in Citrus County
  • Has a smaller lot than 97% of homes in Crystal River 34428

What homes are worth in Crystal River 34428

Each bar is how many homes fall in that price range. The marker is this home.

This home
$120K$1.1M

This home is worth more than 42% of homes in Crystal River 34428.

How it measures up in Crystal River 34428

The dot is this home. The mark in the middle is the typical home in Crystal River 34428.

Estimated value$266,431
CheaperTypical $299,125Pricier

Pricier than 42% of homes nearby

Price per ft²$213
CheaperTypical $194Pricier

Pricier than 61% of homes nearby

Living area1,252 ft²
SmallerTypical 1,456 ft²Bigger

Bigger than 35% of homes nearby

Lot size1,527 ft²
SmallerTypical 0.92 acBigger

Bigger than 3% of homes nearby

Year built1989
OlderTypical 1987Newer

Newer than 54% of homes nearby

How 10972 W Cove Harbor Dr ranks against every home in each area.
MeasureThis homeCrystal River 34428Citrus County
Estimated valuepricier than$266,43142% of homes51% of homes
Price per ft²pricier than$21361% of homes83% of homes
Living areabigger than1,252 ft²35% of homes31% of homes
Lot sizebigger than1,527 ft²3% of homes3% of homes
Year builtnewer than198954% of homes49% of homes

About 10972 W Cove Harbor Dr

How much is 10972 W Cove Harbor Dr, Crystal River, FL worth?

The TopHap Estimate for 10972 W Cove Harbor Dr, Crystal River, FL is $266,431 as of Sep 24, 2026. The likely range is $252,874 to $279,988. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10972 W Cove Harbor Dr, Crystal River, FL last sell?

10972 W Cove Harbor Dr, Crystal River, FL last sold on Jun 7, 2016 for $149,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 10972 W Cove Harbor Dr, Crystal River, FL?

10972 W Cove Harbor Dr, Crystal River, FL has 2 bedrooms, 2 bathrooms, 1,252 square feet of living space and a 0.04-acre lot.

When was 10972 W Cove Harbor Dr, Crystal River, FL built?

10972 W Cove Harbor Dr, Crystal River, FL was built in 1989, making it 37 years old. It is a condo/apartment home. The building has 2 stories.

What schools serve 10972 W Cove Harbor Dr, Crystal River, FL?

10972 W Cove Harbor Dr, Crystal River, FL is assigned to Crystal River Middle School (middle), rated C-; Crystal River High School (high), rated C-; Crystal River Primary School (elementary), rated C+. All sit in Citrus County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10972 W Cove Harbor Dr, Crystal River, FL compare to other homes in Crystal River 34428?

Among the 4,516 homes in Crystal River 34428, it is worth more than 42% of them ($266,431 against a typical $299,125), its price per square foot is higher than 61% of them ($213 against a typical $194), it is bigger than 35% of them (1,252 ft² against a typical 1,456 ft²), its lot is bigger than 3% of them (1,527 ft² against a typical 0.92 ac) and it is newer than 54% of them (1989 against a typical 1987). Measured against all of Citrus County, it is worth more than 51% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10972 W Cove Harbor Dr, Crystal River, FL?

The 2025 property tax bill for 10972 W Cove Harbor Dr, Crystal River, FL was $3,115. The county assessed it at $197,044.

More homes on W Cove Harbor Dr

Closest homes

More homes in Crystal River 34428

Assigned schools

Explore the area

See this home in context

Open 10972 W Cove Harbor Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map