12227 TERRA CEIA AVENUE, NEW PORT RICHEY, FL, 34654
Active203 days on marketListed Jan 28, 2026MLS #TB8469440
About this home
12227 TERRA CEIA AVENUE
Welcome to your Florida waterfront retreat at 12227 Terra Ceia Ave in New Port Richey. This well-maintained 3-bedroom, 2.5-bath home features an open floor plan that creates a bright, airy feel with effortless flow—perfect for both everyday living and entertaining. Situated on a peaceful pond-front lot, the property includes a screened-in in-ground pool, creating a private outdoor oasis with serene water views. Inside, the open living spaces are filled with natural light and connect seamlessly to the outdoor living areas. A cozy fireplace adds warmth and charm, while hurricane shutters provide added peace of mind. The primary suite is an absolute retreat, generously sized at 22x12, and features a large walk-in closet along with a private ensuite bath offering comfort and privacy. A convenient half bath is located off the second bedroom, ideal for guests or flexible living arrangements. Major updates provide peace of mind, including a brand-new HVAC system, a solar water heater, and a new roof to be installed prior to closing with an acceptable offer. Outdoor living is maximized with multiple spaces to relax and entertain, including a covered front porch, a rear screened porch, and the inviting pool area overlooking the pond. Adding exceptional value, the sale includes an additional .15-acre lot, bringing the total property size to just under half an acre, offering extra space, privacy, or future potential. The home is located in Flood Zone X, providing added insurance advantages. Residents enjoy proximity to Moon Lake Park, known for its recreational amenities and outdoor activities, while still being tucked away in a quiet neighborhood close to shopping, dining, and Gulf Coast attractions. This waterfront property is a rare opportunity to enjoy Florida living at its best. Schedule your private showing today and experience all that this New Port Richey home has to offer.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,792
Sqft
0.45 ac
Lot size
1
Garage
2001
Year built
One
Levels
$194
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.
$2,511 /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
$2,511/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
−9.2%
$/sqft vs MOON LAKE ESTATES
$194 vs $172
Days on market
203 vs 54 typical
Where $194/sqft sits among the 35 homes for sale in MOON LAKE ESTATES
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 Moon Lake Estates
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 →
Moon Lake Estates — neighborhood snapshot
Population
4,451
Median age
37
Median income
$43,791
Median home value
$31,361
Avg household
3
Households w/ children
385
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 → $277K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
20 of 35
MOON LAKE ESTATES have cut their price
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 88% above the NEW PORT RICHEY 34654 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 12227 TERRA CEIA AVENUE
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$335,000
9844 XENIA STREET · same community
5 bd · 2 ba · 1,865 sqft · $180/sqft · 23 DOM
Sold · May ’26$180,000
10711 WABAYO STREET · same community
3 bd · 2 ba · 1,539 sqft · $117/sqft · 50 DOM
Sold · Dec ’25$85,000
10711 WABAYO STREET · same community
3 bd · 2 ba · 1,539 sqft · $55/sqft · 36 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12227 TERRA CEIA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12227 TERRA CEIA AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12227 TERRA CEIA AVENUE FAQs
What would the monthly payment be for 12227 TERRA CEIA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,511/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 12227 TERRA CEIA AVENUE?+
The most recent tax bill on record (2024) was $1,782. 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 12227 TERRA CEIA AVENUE?+
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 $348,000, this home is listed about 22% 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 12227 TERRA CEIA AVENUE?+
River Ridge Middle School (middle), Cypress Elementary School (elementary) — 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
$348,000 runs 88% above the NEW PORT RICHEY 34654 median — but at 1,792 sqft it's also 29% larger than the typical New Port Richey listing.
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
203 days on market against a New Port Richey median of 54 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $349,000, now $348,000 — a $1K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC. · Allison Tridente. MLS #TB8469440.
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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