4911 FLORAMAR TERRACE, NEW PORT RICHEY, FL, 34652
Active264 days on marketListed Nov 26, 2025MLS #TB8451487
About this home
4911 FLORAMAR TERRACE
Live the Coastal Life in Gulf Harbors - Boater's Paradise! This property boasts 60ft of waterfront, one of the largest deep water dockage opportunities in Gulf Harbors! Bring your sailboat, your friend’s sailboat, your uncle’s fishing boat, and your grandfather’s pontoon boat—because you can dock them all here! This waterfront home offers up to 4 vessel docks, with customizable dockage to fit your nautical needs. It’s a boater’s dream! This move-in ready 2-bedroom, 1-bathroom beauty has been recently remodeled, so you can spend less time renovating and more time on the water. The gorgeous new kitchen is designed for both style and function, featuring brand-new cabinets, appliances, countertops, and fixtures. There's also a bonus room off the living room, perfect for a private office or third bedroom. Step outside to the large screened patio and enjoy the tranquil waterfront views—a perfect spot to entertain or simply unwind. Nestled in the vibrant, active community of Gulf Harbors, this home is only minutes from the deep-water channel that leads straight to the Gulf. Whether you're heading to the popular Anclote Island, relaxing on the sandbar, or enjoying some prime fishing spots, this home offers it all. Plus, Gulf Harbors has a Private Beach Club (with a small membership fee), and the community is famous for its holiday golf cart parades and other fun activities! You’re also just minutes from Historic Downtown New Port Richey, which features festivals, events, and a beautiful waterfront park. Explore the nearby restaurants, shops, breweries, and a local theater—all within a short drive. Don’t miss out on this rare opportunity to live the coastal life in beautiful Gulf Harbors. Come see what makes this waterfront gem the perfect place to call home!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
945
Sqft
0.14 ac
Lot size
1960
Year built
One
Levels
$423
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.
$3,121 /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
$3,121/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
+91.7%
$/sqft vs FLOR A MAR
$423 vs $384
Days on market
264 vs 52 typical
Where $423/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 90% 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 4911 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 4911 FLORAMAR TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4911 FLORAMAR TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4911 FLORAMAR TERRACE FAQs
What would the monthly payment be for 4911 FLORAMAR TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,121/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 4911 FLORAMAR TERRACE?+
The most recent tax bill on record (2024) was $5,150. 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 4911 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 $399,999, this home is listed about 40% 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 4911 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
$399,999 runs 90% 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
264 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 $440,000, now $399,999 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Christine Knighton. MLS #TB8451487.
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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