Citrus County property record for 11039 W Harbor Watch Loop, Crystal River, FL 34428
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 1,018 sqft · built 1992 |
| Lot Size | 0.024 acres (1,058 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $73,900 (Aug 2000) |
| Tax Bill | $2,443 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 17E-18S-17-44440-037.0 |
| Primary APN | 17E-18S-17-44440-037.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,018 sqft Living Area |
| 1st Floor Area | 1,018 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | High Rise |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Fiberglass |
| Lot Area | 1,058 sqft (0.024 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 232 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 12 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Utility Building | 10 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 2550104 |
|---|---|
| Old Parcel Number | 1718S17E444400370 |
| Street Address | 11039 W HARBOR WATCH LOOP |
| City | CRYSTAL RIVER |
| State | FL |
| Zip | 34428-6234 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | PDR PLANNED DEVELOPMENT(S |
| Legal Description | PELICAN COVE CONDO DECL IN OR BK 773 PG 1695 PHASE FOUR UNIT 37 |
| Legal Range | 17E |
| Legal Township | 18S |
| Legal Section | 18 |
| Legal Subdivision | PELICAN COVE CONDOS PHASE 4 |
| Legal Phase | 4 |
| Legal Lot Number | 37 |
| Legal Unit | 37 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | CRYSTAL RIVER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 450501 |
The current owner of 11039 W Harbor Watch Loop bought it in August 2000.
Source: Citrus County records, as of December 10, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 4445 CEDAR POINT RD, MANITOU BEACH, MI 49253-9622 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2000 · Amount on File |
| Deed Sale | Aug 29, 2000 · Amount on File |
| Deed Document Number | 1148640 |
| Deed Book / Page | 1380 / 1401 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 11039 W Harbor Watch Loop was $2,443, up 23.6% from the year before.
Source: Citrus County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,443.00 (+23.63%) | $180,330 (+46.23%) Building $180,330 | $180,330 (+46.23%) Building $180,330 |
| 2024 | $1,976.00 (+1.49%) | $123,322 (-) Building $123,322 | $123,322 (-) Building $123,322 |
| 2023 | $1,947.00 (+12.61%) | $123,322 (+9.21%) Building $123,322 | $123,322 (+9.21%) Building $123,322 |
| 2022 | $1,729.00 | $112,918 Building $112,918 | $112,918 Building $112,918 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11039 W Harbor Watch Loop in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 376 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 468 units insured incl. 92 condo units |
| Nearby Flood Claims | 428 (1993–2025) |
| Most Recent Claim | Apr 2025 · rainfall accumulation |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 11039 W Harbor Watch Loop is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MEADOW WOOD WATER private · serves 86 people · EPA ID FL6092338 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | Under 1 ppb (2021) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 7 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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