3848 TOPSAIL TRAIL, NEW PORT RICHEY, FL, 34652
Active191 days on marketListed Feb 5, 2026MLS #G5107515
About this home
3848 TOPSAIL TRAIL
High and Dry. One of a kind, Florida Living, water community. Private beaches. No HOA. No water intrusion from Helene or Milton. This pool home is move-in ready. Large corner lot in Gulf Harbor community. Optional HOA, ($125.00 annually) and optional community membership ($200.00 annually) gives you access to private beaches, boat ramps , fishing, community events, and many social and recreational activities without ever leaving the community. Golf Harbor is close to the airport and has a nature preserve for you nature seekers. This 4/BR, 3 ½ /BA home has a split floor plan and ceramic tile throughout the house. New roof 2020, fencing 2017, electric panel 2023, pool deck and tiles 2022. This home sits high and dry. Hurricane Helene and Milton (2024) did not cause any water incursion. The 4th bedroom has its own bathroom that can be used as a pool bath or an in-law suite or lockout for rental. The home features a wood burning fireplace in the family room. Kitchen has stainless steel appliances with wood cabinetry. The lanai is huge and screened with sliders entering from the family room, dining room and master/primary bedroom. The living room sliders open all the way back as if you were outside on the lanai. The yard has a beautiful privacy fenced with mature landscaping. The Gulf is all around in this water community. The house has plenty of storage with walk in closets and an oversized garage. Schedule an appointment.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,444
Sqft
0.24 ac
Lot size
2
Garage
1984
Year built
One
Levels
$256
Per sqft
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.
$4,397 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,397/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−39.7%
$/sqft vs FLOR A MAR
$256 vs $385
Days on market
191 vs 52 typical
Where $256/sqft sits among the 63 homes for sale in FLOR A MAR
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Flor-a-mar
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 →
Flor-a-mar — neighborhood snapshot
Population
2,712
Median age
56
Median income
$96,857
Median home value
$435,193
Avg household
2
Households w/ children
136
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The New Port Richey market
$280K → $270K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
38 of 63
FLOR A MAR have cut their price
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 191% above 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 3848 TOPSAIL TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$791,500
4968 SOUTHSHORE DRIVE · same community
4 bd · 2.5 ba · 2,360 sqft · $335/sqft · 335 DOM
Sold · Jan ’26$845,000
5520 BOWLINE BEND · same community
3 bd · 2.5 ba · 2,340 sqft · $361/sqft · 0 DOM
Sold · May ’26$705,000
3200 TRIDENT TERRACE · same community
3 bd · 3 ba · 2,313 sqft · $305/sqft · 34 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3848 TOPSAIL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3848 TOPSAIL TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3848 TOPSAIL TRAIL FAQs
What would the monthly payment be for 3848 TOPSAIL TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,397/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 3848 TOPSAIL TRAIL?+
The most recent tax bill on record (2024) was $7,573. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in New Port Richey?+
At $624,900, this home is listed about 119% above the New Port Richey median of $284,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3848 TOPSAIL TRAIL?+
Gulf High School (high), Gulf Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$624,900 runs 191% above the NEW PORT RICHEY 34652 median — but at 2,444 sqft it's also nearly twice the size of the typical New Port Richey listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
191 days on market against a New Port Richey median of 52 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $649,900, now $624,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Sabrina Deem, PA. MLS #G5107515.
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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