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11059 W Harbor Watch Loop, Crystal River, FL 34428 Property Records

Citrus County property record for 11059 W Harbor Watch Loop, Crystal River, FL 34428

Property Summary

Property TypeCondominium
Details2 bd · 1 ba · 970 sqft · built 1991
Lot Size0.024 acres (1,058 sqft)
Owner2 Individual Names on File
Last Sale$125,000 (Feb 2015)
Tax Bill$1,935 (2025)
Deeds & MortgagesDec 2021 Transfer
Flood ZoneZone AE (high risk)
APN17E-18S-17-44440-045.0

Property Details

APN / Parcel Number

Primary APN17E-18S-17-44440-045.0
Alternative APNs
  • 17E-18S-17-0000-44440-0450
  • 1718S17E444400450
  • 2608633

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area970 sqft Living Area
1st Floor Area535 sqft
FlooringConcrete/Cement

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1996
Architectural StyleCondo/Apartment
Exterior MaterialWood Siding
Construction TypeWood
Foundation TypeFooting
Roof TypeGable
Roof MaterialFiberglass
Lot Area1,058 sqft (0.024 acres)
Garage TypeCarport
Garage Area232 sqft
CarportCarport
Carport Area232 sqft

Exterior Amenities

PorchFinished/Open Porch
Porch Area12 sqft
Deck Area80 sqft
Patio Area80 sqft
Utility Building20 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number2608633
Street Address11059 W HARBOR WATCH LOOP
CityCRYSTAL RIVER
StateFL
Zip34428-6234
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodePDR
Legal DescriptionPELICAN COVE CONDO DECL IN OR BK 773 PG 1695 PHASE 4 UNIT 45 DESC IN OR BK 887 PG 1776 AND ASSIGNMENT OF USE OF BOAT SLIP #6 IN OR BK 2099 PG 2156
Legal Range17E
Legal Township18S
Legal Section18
Legal SubdivisionPELICAN COVE CONDOS PHASE 4
Legal Phase4
Legal Block44440
Legal Lot Number450
Legal Unit45
JurisdictionCITRUS FL
Township / Civil DivisionCRYSTAL RIVER
Census Block Group1
Census Block1006
Census Tract450501

Owner

11059 W Harbor Watch Loop, a condominium, is owned by two individuals who acquired it in December 2021.

Source: Citrus County records, as of October 14, 2026

Owner of Record2 Individual Names on File
Mailing Address6620 SW 179TH COURT RD, DUNNELLON, FL 34432-9560
Owner TypeIndividual
VestingLife Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 25, 2015 · Amount on File
Deed SaleFeb 25, 2015 · Amount on File
Prior SaleMay 1, 1999 · Amount on File
Deed Document Number20158632
Deed Book / Page2673 / 964
Last Transfer DateDec 17, 2021
Transfer Doc0032362269
Record UpdatedOct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCITRUS FL
Recording DateDec 20, 2021
Property Address11059 W HARBOR WATCH LOOP, CRYSTAL RIVER, FL 34428-6234
Document Number0032362269
Book / Page3236 / 2269
Map ReferenceMB 773 PG 1695-177
Instrument DateDec 17, 2021
Instrument2021087553
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address6620 SW 179TH COURT RD, DUNNELLON, FL 34432-9527

Tax Assessment & Valuation

The 2025 property tax bill for 11059 W Harbor Watch Loop was $1,935, up 5% from the year before.

Source: Citrus County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,935.00 (+5.05%)$117,500 (-) Building $117,500$117,500 (-) Building $117,500
2024$1,842.00 (+4.6%)$117,500 (-) Building $117,500$117,500 (-) Building $117,500
2023$1,761.00 (+12.31%)$117,500 (+9.21%) Building $117,500$117,500 (+9.21%) Building $117,500
2022$1,568.00$107,587 Building $107,587$107,587 Building $107,587

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11059 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 376 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies468 units insured
incl. 92 condo units
Nearby Flood Claims428 (1993–2025)
Most Recent ClaimApr 2025 · rainfall accumulation
Claims by Event
  • Hurricane Helene, Sep 2024 · 231 claims
  • Hurricane Idalia, Sep 2023 · 146 claims
  • Hurricane Hermine, Sep 2016 · 34 claims

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

Wildfire risk around 11059 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 RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemMEADOW WOOD WATER
private · serves 86 people · EPA ID FL6092338
Water SourceGroundwater
Last State InspectionJul 2023
LeadUnder 1 ppb (2021)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting7
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W Harbor Watch Loop

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