4020 HEADSAIL DRIVE, NEW PORT RICHEY, FL, 34652
Active25 days on marketListed Aug 26, 2026MLS #O6436620
About this home
4020 HEADSAIL DRIVE
Short Sale. SHORT SALE OPPORTUNITY IN GULF HARBORS. Rare chance to own in this desirable coastal community — OPTIONAL HOA and PRIVATE BEACH ACCESS. The heavy lifting is DONE: NEW ROOF (July 2025), NEW A/C (August 2025), NEW WATER HEATER (August 2025), UPDATED ELECTRICAL (August 2025). Currently mid-renovation, requiring interior finishes — drywall, flooring, kitchen, cabinets, vanity, and paint — so the next owner can finish it to their own taste. Plans available for an approx. 460 sq ft expansion to a 4-bedroom, approx. 1,770 sq ft home; buyer to verify permitting with Pasco County. Ideal for investors, flippers, or buyers using renovation financing (203k / FHA renovation). Enjoy the New Port Richey coastal lifestyle — canals, boating, fishing, and Gulf Harbors’ private beach. Sold AS-IS. Subject to lender/third-party approval. Priced aggressively
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,312
Sqft
0.2 ac
Lot size
2
Garage
1972
Year built
One
Levels
$152
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.
$1,627 /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
$1,627/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.
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
−40.6%
$/sqft vs FLOR A MAR
$152 vs $395
Days on market
25 vs 55 typical
Where $152/sqft sits among the 60 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 → $275K
New Port Richey median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
36 of 60
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 3% 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 4020 HEADSAIL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$345,000
5540 LEEWARD LANE · same community
2 bd · 2 ba · 1,316 sqft · $262/sqft · 0 DOM
Sold · Jun ’26$290,000
5061 ENSIGN LOOP · same community
3 bd · 2 ba · 1,303 sqft · $223/sqft · 0 DOM
Sold · May ’26$480,000
4247 FLORAMAR TERRACE · same community
3 bd · 2 ba · 1,324 sqft · $363/sqft · 102 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 4020 HEADSAIL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4020 HEADSAIL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4020 HEADSAIL DRIVE FAQs
What would the monthly payment be for 4020 HEADSAIL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,627/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 4020 HEADSAIL DRIVE?+
The most recent tax bill on record (2025) was $2,418. 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 $200,000, this home is listed about 30% below 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 4020 HEADSAIL DRIVE?+
Gulf High School (high), Gulf Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MY REALTY GROUP, LLC. · Maria Rodriguez. MLS #O6436620.
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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