2020 MasterCraft XT23

$108,900

$114,900

Used

Boat in Mesa, AZ 85207 US

builtBuilt in 2020
Year the boat was built
model

XT23

Boat model
engine

1 Engine (--)

Engine type and count
length

23 feet

Overall boat length
fuel

Gas

Fuel type
material

Other

Hull material
Nominal Length
23ft
Beam
8ft
Hull Material
other
Engine 1
Engine Model
Ilmor 6.0L
Engine Hours
198
Fuel Type
gasoline
Engine Year
2020
Total Power
385.0 hp

Price History

DateEventPrice
5/12/26Price decreased$108,900(-5.2%)
8/27/25Initial price$114,900

Contact Wolf Watersports

8640 E Main St, Mesa, AZ, 85207

Boattest.com Review

Overview

The Mastercraft XT23 is a versatile multi-sport recreational towboat designed to deliver both luxury and exceptional wake performance. It features the advanced Gen 2 Surf System, which allows users to customize wake profiles for a variety of skill levels and water sports. This system integrates the Balance System, Surf Devices, and a Digital Helmscreen to provide precise control over wave shape and boat attitude, making the XT23 suitable for wakesurfing, wakeboarding, and skiing.

Wake and Ballast System

Central to the XT23's appeal is its Gen 2 Surf System, which offers preset wave profiles ranging from long and mellow to tall and steep. The system includes one forward hard ballast tank, two aft hard tanks, and two aft ballast bags positioned atop the hard tanks. An optional Fast Fill System with three Johnson pumps enables ballast filling in approximately five minutes. The Digital Helmscreen allows operators to select from various profiles such as Surf Left and Right (mellow or steep), Kids, Wakeboard (beginner to advanced), and Ski, automatically adjusting speed, ballast, and surf device positions accordingly. A boat attitude adjustment plate further refines bow control. Wave transitions can be made on the fly, providing flexibility for riders of different skill levels.

Power and Performance

The XT23 measures 25 feet 6 inches in length overall, with a beam of 8 feet 6 inches and a draft of 2 feet 6 inches. The test boat was equipped with a 5.7-liter engine, which Mastercraft is replacing with a new Ilmore 6.0-liter powerplant. Although independent test data was unavailable, manufacturer testing reports a top speed of 42.1 miles per hour at 5200 RPM. Typical endurance ranges from 7.2 hours at 3,000 RPM (21.7 MPH) to 14.1 hours at 2,000 RPM (9.2 MPH), covering the speed range most commonly used in tow sports. Handling was notably agile and responsive, with approximately three and a half turns lock to lock on the helm. The XT23's bow design effectively cuts through light chop and wakes, aided by a 12-inch rudder that enhances maneuverability.

Exterior Design and Deck Layout

Mastercraft has opted for a traditional front end on the XT23, featuring wraparound bolster seating with Coolfeel vinyl upholstery. The bow area includes forward-facing chaise seats on both sides, grab handles, two Klipsch audio speakers, four drink holders, and a dual USB outlet to port. Aft-facing seating is centered on the boat, with cushions that lift or remove to access storage compartments. The cockpit is spacious and ergonomically designed, with color-matched decadence flooring and two-tone upholstery. The helm station is well organized, featuring a stainless steel tilt steering wheel with a rubberized finish, analog gauges beneath a hand-stitched anti-glare vinyl dash, and the Gen 2 Surf System display. A wraparound windshield provides wind protection and clear sightlines, complemented by an 18-inch wide rear-view mirror and an acrylic wind dam.

Interior and Seating

The XT23 comfortably accommodates up to 16 passengers with ample seating throughout the cockpit. The companion seat adjacent to the helm is upholstered in the same hand-stitched vinyl as the rest of the boat. Wraparound seating continues from the companion seat around to the helm chair, featuring integrated grab handles, speakers, and drink holders. The center bench seat can convert to an aft-facing bench with built-in drink holders and a footrest, or be configured as a convertible bench. Storage is plentiful with a continuous compartment running from the cockpit to the bow on the port side, additional storage in the starboard quarter, and battery storage beneath the aft port section.

Tower and Swim Platform

The XT23's tower is equipped with swiveling and board-clamping racks on each side, each capable of holding two boards. Two Klipsch speakers are mounted under the crossbar, and a tow post is positioned on top. The tower includes an integrated bimini top and can be easily lowered for transport or storage. The test boat featured an integrated tow pylon and a sun pad with a center walk-through layout option. Gas-assisted struts facilitate lifting the port and starboard sun pad sections to access the Gen 2 ballast bags below. Additionally, the boat was outfitted with an optional teak swim platform, enhancing both aesthetics and functionality.

Conclusion

The Mastercraft XT23 presents a well-balanced combination of style, comfort, and performance tailored for water sports enthusiasts. Its advanced Gen 2 Surf System provides versatile wake customization suitable for all skill levels, while the boat's agile handling and thoughtful ergonomics enhance the overall experience. With ample seating, storage, and premium features such as the tower and swim platform options, the XT23 is a strong contender for those seeking a luxurious and capable multi-sport towboat.

Overview from around the web 2020 MasterCraft XT23

Customers are praising the 2020 MasterCraft XT23 for its exceptional versatility and performance

Many highlight its powerful engine and smooth handling, making it ideal for both wakeboarding and waterskiing. The spacious and comfortable interior receives positive remarks for accommodating family and friends with ease. Users also appreciate the advanced technology features, such as the customizable wake settings and intuitive touchscreen controls, which enhance the overall boating experience. Overall, the XT23 is often described as a well-crafted, reliable boat that delivers fun on the water for all skill levels.

The Biggest Pros and Cons

The 2020 MasterCraft XT23 offers a range of features that make it a popular choice among boating enthusiasts, especially those interested in wakeboarding and watersports. Here are some pros and cons to consider:

Pros

Exceptional Wake and Surf Performance: The XT23 is designed with MasterCraft’s advanced hull and ballast systems, creating large, clean wakes ideal for wakeboarding and wakesurfing.

Spacious and Comfortable Interior: The boat features a roomy layout with ample seating, high-quality upholstery, and plenty of storage, ensuring comfort for passengers.

Powerful Engine Options: Equipped with a robust V8 engine, the XT23 delivers strong performance and acceleration.

Innovative Technology: Includes MasterCraft’s intuitive touchscreen controls for easy adjustment of ballast, speed, and audio settings.

Quality Build and Materials: Known for its solid construction and attention to detail, providing durability and a premium feel.

Versatile Use: While optimized for watersports, the XT23 also performs well as a family cruiser.

Cons

Price Point: As a premium boat, the XT23 comes with a higher price tag compared to some competitors, which may be a consideration for budget-conscious buyers.

Fuel Consumption: Powerful engines and ballast systems can lead to higher fuel consumption, especially during extended use.

Size and Maneuverability: At nearly 24 feet in length, it may be less maneuverable in tight docking situations or smaller bodies of water.

Maintenance Costs: Advanced systems and premium materials can result in higher maintenance and repair expenses over time.

Made For

The 2020 MasterCraft XT23 is designed for water sports enthusiasts and families who want a versatile, high-performance boat. It's perfect for wakeboarding, wakesurfing, and waterskiing, offering powerful towing capabilities and customizable wake features. Additionally, its spacious and comfortable interior makes it ideal for entertaining friends and enjoying a day on the water with family. Whether you’re a serious athlete or simply love spending time on the lake, the XT23 delivers a premium boating experience tailored to your lifestyle.

Finance your dream boat!

Use our boat payment calculator to estimate monthly payments for 2020 MasterCraft XT23. Enter your down payment, choose a loan term, and adjust the interest rate to see an instant payment estimate — ideal if you're calculating boat payments before you enquire. Wondering how much does a Ski and Wakeboard cost in today's market, or how much does a MasterCraft cost for similar models? This boat financing calculator helps you compare scenarios in seconds, whether you're considering used boat financing or a new purchase.
Monthly payment
$689.59/mo
$
$
%
Principal Loan Amount$ 92,565
Total Payment$165,502.78

Finance your dream boat!

Use our boat payment calculator to estimate monthly payments for 2020 MasterCraft XT23. Enter your down payment, choose a loan term, and adjust the interest rate to see an instant payment estimate — ideal if you're calculating boat payments before you enquire. Wondering how much does a Ski and Wakeboard cost in today's market, or how much does a MasterCraft cost for similar models? This boat financing calculator helps you compare scenarios in seconds, whether you're considering used boat financing or a new purchase.
Monthly payment
$689.59/mo
$
$
%
Principal Loan Amount$ 92,565
Total Payment$165,502.78

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8640 E Main St
Mesa, AZ 85207

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