Charge density wave (CDW) is a collective quantum phenomenon in metals and features a wave-like modulation of the conduction electron density. A microscopic understanding and experimental control of this many-body electronic state in atomically thin materials remain hot topics in condensed matter physics. Here we report an interface and/or Zr intercalation induced semiconductor-metal phase transition, as well as a concomitant (2 $times$ 2) CDW order in 1T-ZrX$_2$ (X = Se, Te) thin films prepared on graphitized SiC(0001) substrates. Also observed has been a sizable CDW energy gap up to 22 meV opened at the Fermi level. Fourier-transformed scanning tunneling microscopy reveals a rather simple Fermi surface, consisting only of Zr 4d-derived conduction band at the corners of the Brillouin zone. Our finding that such a simple electronic structure is compatible with the CDW phase proves intriguing and challenges several prevailing scenarios for the formation of CDW in transition metal dichalcogenides.