3855 TOPSAIL TRAIL, NEW PORT RICHEY, FL, 34652
Active155 days on marketListed Mar 12, 2026MLS #TB8484018
About this home
3855 TOPSAIL TRAIL
One or more photo(s) has been virtually staged. Live the coastal lifestyle with total peace of mind and complete privacy in Gulf Harbors/ Flora A Mar Community. Access to a PRIVATE BEACH for this community only. This fully renovated, move-in-ready 4BR/3BA pool home backs directly onto a protected conservation area—meaning no rear neighbors, no passing boat traffic, and total backyard serenity. Quick Highlights: - Turn-Key Luxury: Upgraded interior with granite countertops, tile flooring, a main-floor primary suite, and a spacious 2-car garage. - Boater’s Dream ($125/yr): Exclusive access to private neighborhood boat ramps and launches. - Private Beach Club ($200/yr): Elite access to pristine white sand beaches and Gulf sunsets, yoga, picnic tables, etc Get all the premier resort perks of the Flor A Mar community without the hefty waterfront price tag or seawall maintenance. View the FEATURE SHEET and schedule your tour today! ADDED VALUE: FREE, transferable FEMA flood insurance policy in effect through 2027!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,047
Sqft
0.17 ac
Lot size
2
Garage
1972
Year built
Two
Levels
$225
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 and the real association fee — not generic estimates.
$3,365 /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
$3,365/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
−44.9%
$/sqft vs FLOR A MAR
$225 vs $385
Days on market
155 vs 53 typical
Where $225/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 → $263K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
38 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 111% 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 3855 TOPSAIL TRAIL
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$603,900
4918 FORECASTLE DRIVE · same community
3 bd · 2 ba · 2,094 sqft · $288/sqft · 172 DOM
Sold · Dec ’25$320,100
5500 LEEWARD LANE · same community
3 bd · 2 ba · 1,963 sqft · $163/sqft · 179 DOM
Sold · Apr ’26$715,000
3355 SEAWAY DRIVE · same community
2 bd · 2.5 ba · 2,138 sqft · $334/sqft · 21 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3855 TOPSAIL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3855 TOPSAIL TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3855 TOPSAIL TRAIL FAQs
What would the monthly payment be for 3855 TOPSAIL TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,365/mo — principal and interest, the actual property-tax bill, the $10/mo association fee 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.
How much are the HOA fees at 3855 TOPSAIL TRAIL?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3855 TOPSAIL TRAIL?+
The most recent tax bill on record (2025) was $3,401. 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 3855 TOPSAIL TRAIL?+
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 $460,000, this home is listed about 62% above the New Port Richey median of $284,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3855 TOPSAIL TRAIL?+
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
$460,000 runs 111% above the NEW PORT RICHEY 34652 median — but at 2,047 sqft it's also 48% larger than the typical New Port Richey listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
155 days on market against a New Port Richey median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $474,999, now $460,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REDFIN CORPORATION · Andrea Cross. MLS #TB8484018.
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.
Never miss a listing
New New Port Richey homes, in your inbox
Like 3855 TOPSAIL TRAIL but not quite? A daily digest of every new listing in New Port Richey — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Frantreshia to ping you on any price or status change →