11040 Cove Harbor Drive, FL
Stellar MLS

$399,900

11040 Cove Harbor Drive

Crystal River, FL 34428

Listing updated: May 18, 2026 at 5:12 PM ET

Active
2
Beds
3
Baths
1,711
Sq Ft
0.04
Acres
1991
Built
WaterfrontWater access$234/sqft360° tour
Condominium

Property type

1991

Year built

1,943 sqft

Lot size

$234

Price / sq ft

$666/mo

HOA dues

14

Days on market

1

Garage space

AE

Flood zone

About this home

Rare End-Unit Waterfront Gem in Pelican Cove II with 10,000 lb Lift! Experience the pinnacle of maintenance-free coastal living in the highly coveted Pelican Cove community. This pristine 2-bedroom, 2.5-bathroom end unit masterfully blends privacy with effortless convenience, featuring a fresh exterior professionally painted by the Association just this week. The sophisticated interior is designed for both comfort and entertaining, offering a kitchen and dedicated dining room for evening meals and a conveniently located main-level half-bathroom for guests. The spacious main-floor primary suite provides a peaceful sanctuary with true single-level accessibility, while the second floor serves as a private retreat featuring a large guest bedroom, full bathroom, and a versatile open loft perfect for a home office or media room. An attached one-car garage adds ease and extra storage to this impressive residence. For the avid boater, the private boat slip is a dream come true, equipped with a powerful 10,000 lb lift capable of accommodating vessels up to 33 feet. From the backyard, enjoy rapid, direct access to the Crystal River, the world-famous Three Sisters Springs, and the Gulf of Mexico for world-class fishing and manatee encounters. Pelican Cove offers a resort-style atmosphere with a climate-controlled community pool, active tennis court, a spacious clubhouse with a library, and a fish cleaning station. Your monthly fees ensure total peace of mind by covering exterior maintenance (roof and paint), groundskeeping, irrigation, trash, pest control, and comprehensive property, liability, and flood insurance. This unit includes the exclusive right of use for the assigned boat slip; the slip is an appurtenance to the unit and will be transferred to the buyer at closing via a separate "Assignment of Use" document as required by the Association. Don’t miss this rare opportunity to own a piece of paradise in one of Crystal River’s premier waterfront communities!

Estimated monthly payment

Principal & interest$2,022
Property taxes$366
Home insurance (est.)$183
HOA dues$666

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history14 days on market

  1. Status: Active
    May 4, 2026
  2. Listed$399,900
    May 4, 2026
  3. Price increased$399,900

Virtual Tour

Facts & features

Property type
Residential
Sub type
Condominium
Status
Active
Days on market
14
Subdivision
Pelican Cove Unrec Condo
County
Citrus
Year built
1991
Living area
1,711 sq ft
Price/sq ft
$234
Building area
2,117 sq ft (Public Records)
Lot size
1,943 sq ft
Lot category
0 to less than 1/4
Flood zone
AE (12017C0186E)
Garage
1 spaces
Annual taxes
$4,393 (2025)
Parcel #
17E-18S-17-0000-44410-0240
Zoning
PDR
MLS #
TB8504386

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Interior Details

Bedrooms
2
Full bathrooms
2
Half bathrooms
1
Flooring
Carpet, Ceramic Tile
Appliances
Dishwasher, Microwave, Range, Refrigerator
Interior features
Ceiling Fans(s), Primary Bedroom Main Floor, Solid Wood Cabinets, Split Bedroom, Stone Counters
Laundry
Inside, Laundry Room
Stories / Levels
Two
Direction faces
West

Heating & Cooling

Heating
Heat Pump
Cooling
Central Air

Parking

Garage spaces
1
Attached garage
Yes
Parking features
Driveway

HOA & Financial

HOA fee
$666 / Monthly
Monthly HOA
$666/mo
Total monthly fees
$828/mo
Total annual fees
$9,940
HOA name
Robbie Anderson
CDD
No
Min lease term
1 Month
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
No more than 3 separate leases per year. No more than five (5) persons may reside in a Two Bedroom Unit.

Exterior & Construction

Exterior features
Other
Construction materials
Stucco, Frame
Roof
Shingle
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Electricity Connected, Water Connected

Community

Pets allowed
Cats OK, Dogs OK

Schools

ElementaryCrystal River Primary SchoolGreatSchools ↗
MiddleCrystal River Middle SchoolGreatSchools ↗
High SchoolCrystal River High SchoolGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Primary BedroomFirst
KitchenFirst
Living RoomFirst

Listing Details

Listing date
2026-05-04
On market date
2026-05-04
Original list price
$399,900
Occupant type
Owner
MLS area
34428 - Crystal River
Listing AOR
Suncoast Tampa
Status changed
2026-05-04
Tax legal description
That certain Condominium parcel composed of Unit 24 and an undivided share in that common elements appurtenant thereto, subject to and in accordance with the covenants, conditions, restrictions, terms and other provisions of Declaration of Condominium of PELICAN COVE CONDOMINIUM, with exhibits annexed thereto, as recorded in Official Records Book 773, Pages 1695 through 1772, inclusive, Public Records of Citrus County, Florida, as amended. Subject to all reservations, covenants, conditions, restrictions and easements of record and to all applicable zoning ordinances and/or restrictions imposed by governmental authorities, if any. Together with all the tenements, hereditaments, and appurtenances thereto belonging or in any way appertaining, together with the exclusive right of use for Boat Slip #.

Flood risk

High riskFEMA Zone AEPanel 12017C0186E

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

US-19 Northbound to LEFT on State Park Drive, LEFT on N. Caribbean Ter. (Pelican Cove entrance). Turn Right onto Cove Harbor Dr. Home is on left.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of May 18, 2026 at 5:12 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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