3840 RUDDER WAY, NEW PORT RICHEY, FL, 34652
Active422 days on marketListed Jun 19, 2025MLS #TB8395198
About this home
3840 RUDDER WAY
Elevated Gulf Front Home with Stunning Sunset Views! Experience the ultimate in luxury coastal living in this beautifully updated waterfront residence, ideally situated on the south point with 165 feet of direct Gulf frontage. Enjoy breathtaking panoramic views of the water, perfect for watching vibrant sunsets, dolphins at play, passing sailboats, and abundant birdlife. This modernized home features solid surface flooring throughout, quartz countertops, and hurricane-impact windows and sliders. The spacious open floor plan includes defined living, dining, and leisure areas, all oriented to capture the captivating Gulf vistas. The generous kitchen with casual dining space faces west, offering front-row views of Florida's stunning evening skies. Located across from Eagle Point Park and its 661 acres of preserved natural beauty, this home also includes a two-car garage and is part of the sought-after Gulf Harbors community, known for its boating and waterfront lifestyle. Rental Terms: Maximum occupancy of 4. No pets. No smoking.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,201
Sqft
0.34 ac
Lot size
2
Garage
2002
Year built
One
Levels
$6
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$305 /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
$305/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs FLOR A MAR
$6 vs $385
Days on market
422 vs 52 typical
Where $6/sqft sits among the 64 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)
39 of 64
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 91% 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 3840 RUDDER WAY
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$1,273,500
3300 FLORAMAR TERRACE · same community
4 bd · 3 ba · 3,159 sqft · $403/sqft · 175 DOM
Sold · Jun ’26$1,700,000
4924 SOUTHSHORE DRIVE · same community
4 bd · 3 ba · 3,094 sqft · $549/sqft · 1 DOM
Sold · Jun ’26$1,200,000
4065 RUDDER WAY · same community
3 bd · 2.5 ba · 2,580 sqft · $465/sqft · 145 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3840 RUDDER WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3840 RUDDER WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3840 RUDDER WAY FAQs
What would the monthly payment be for 3840 RUDDER WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $305/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3840 RUDDER WAY?+
The listing reports pets: No. 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 $20,000, this home is listed about 93% 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 3840 RUDDER WAY?+
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
Three things that matter here
01Under the NEW PORT RICHEY 34652 market on paper
$20,000 is 91% below the NEW PORT RICHEY 34652 median of $215,000, and at $6/sqft it sits under the New Port Richey average of $214.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
422 days on market against a New Port Richey median of 52 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · David Timmons. MLS #TB8395198.
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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