3532 FLORAMAR TERRACE, NEW PORT RICHEY, FL, 34652
Active275 days on marketListed Nov 13, 2025MLS #TB8446597
About this home
3532 FLORAMAR TERRACE
Your opportunity to buy a build ready lot for a new home, located in Gulf Harbors. Less than five minutes to the beautiful open Gulf Waters by boat. Lot has a wonderful seawall with ability to place your own boat out back or the opportunity to fish from your own backyard. This is a once in a lifetime opportunity. Come Build your DREAM HOME in this exquisite waterfront community!! Experience the vibrant Florida lifestyle firsthand as you seize the opportunity to craft your dream home upon this picturesque waterfront parcel nestled within the captivating Gulf Harbors community.
Facts & features
The home at a glance
0.21 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.
$2,800 /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
$2,800/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 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)
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 74% 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 3532 FLORAMAR TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$166,088
4527 FLORAMAR TERRACE · same community
2 bd · 1 ba · 1,040 sqft · $160/sqft · 36 DOM
Sold · Nov ’25$280,000
5033 BLUE HERON DRIVE · same community
2 bd · 1 ba · 1,071 sqft · $261/sqft · 59 DOM
Sold · Jun ’26$295,000
4848 SHELL STREAM BOULEVARD · same community
3 bd · 2 ba · 1,264 sqft · $233/sqft · 8 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3532 FLORAMAR TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3532 FLORAMAR TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3532 FLORAMAR TERRACE FAQs
What would the monthly payment be for 3532 FLORAMAR TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,800/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 3532 FLORAMAR TERRACE?+
The most recent tax bill on record (2024) was $3,200. 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 3532 FLORAMAR TERRACE?+
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 $375,000, this home is listed about 32% 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 3532 FLORAMAR TERRACE?+
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
$375,000 runs 74% above the NEW PORT RICHEY 34652 median.
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
275 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 $399,000, now $375,000 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP ADVANTAGE · Keith Lucombe. MLS #TB8446597.
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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