4545 NEEDLE PALM DRIVE, NEW PORT RICHEY, FL, 34652
Active20 days on marketListed Sep 21, 2026MLS #A4706858
About this home
4545 NEEDLE PALM DRIVE
Enjoy waterfront living with this 7,035 sq. ft. vacant lot in New Port Richey! Situated along a peaceful lake, the property offers a scenic setting with mature greenery and the potential for a primary residence, vacation home, or rental investment. With no HOA, you have added flexibility to make the most of your property. The location puts you just minutes from historic downtown New Port Richey, approximately 15 minutes from the beach, and under 45 minutes from Clearwater Beach and Tampa International Airport. Enjoy convenient access to shopping, dining, entertainment, and the many outdoor attractions of Florida’s Gulf Coast. Listing is for land only and comes As Is. Street addresses can be for listing purposes only and vacant land will receive a true street address once improved.
Facts & features
The home at a glance
0.16 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$427 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$427/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside New Port Richey
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know New Port Richey. See the full New Port Richey guide →
NEW PORT RICHEY 34652 — neighborhood snapshot
Population
25,900
Median age
51.8
Median income
$52,396
Median home value
$198,400
Avg household
2.19
Households w/ children
1,991
The numbers that matter
The New Port Richey market
$280K → $271K
New Port Richey median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 79% below the NEW PORT RICHEY 34652 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 4545 NEEDLE PALM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$190,000
4709 GAZANIA STREET · same community
2 bd · 1 ba · 806 sqft · $236/sqft · 103 DOM
Sold · Jul ’26$181,500
4632 SALVIA STREET · same community
2 bd · 1 ba · 932 sqft · $195/sqft · 181 DOM
Sold · May ’26$170,000
4556 EDITH STREET · same community
3 bd · 2 ba · 1,465 sqft · $116/sqft · 4 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4545 NEEDLE PALM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4545 NEEDLE PALM DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4545 NEEDLE PALM DRIVE FAQs
What would the monthly payment be for 4545 NEEDLE PALM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $427/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4545 NEEDLE PALM DRIVE?+
The most recent tax bill on record (2025) was $312. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4545 NEEDLE PALM DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in New Port Richey?+
At $37,999, this home is listed about 86% below the New Port Richey median of $275,790. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the NEW PORT RICHEY 34652 market on paper
$37,999 is 79% below the NEW PORT RICHEY 34652 median of $182,500.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $39,999, now $37,999 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NEW ALLIANCE GROUP REALTY · Zach Hilferding. MLS #A4706858.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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