10811 PEPPERTREE LANE, PORT RICHEY, FL, 34668
Active1 days on marketListed Aug 28, 2026MLS #TB8542520
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Sat, Sep 19
12:00 PM – 3:00 PM
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About this home
10811 PEPPERTREE LANE
Enjoy comfortable Florida living at 10811 Peppertree Lane, a spacious two-bedroom, two-bathroom home on a corner lot in Timber Oaks, an active 55+ community. Recent updates to the roof, HVAC system, and water heater provide added peace of mind. Inside, approximately 1,470 square feet features a split-bedroom floor plan, combined living and dining areas, an eat-in kitchen with breakfast bar, and a separate family room. The Florida room and enclosed screened lanai provide additional space for morning coffee, entertaining, or simply relaxing. An inside laundry room and attached two-car garage add everyday convenience and storage. Timber Oaks offers a clubhouse, swimming pool, tennis courts, shuffleboard, recreational activities, and opportunities to stay active and connected. Shopping, dining, medical facilities, parks, and major roadways are also conveniently located nearby. Come experience the space, comfort, and active community lifestyle in the Timber Oaks community. Schedule your private showing today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,470
Sqft
0.18 ac
Lot size
2
Garage
1987
Year built
One
Levels
$156
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.
$1,855 /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
$1,855/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
−9.6%
$/sqft vs TIMBER OAKS
$156 vs $171
Days on market
1 vs 40 typical
Where $156/sqft sits among the 10 homes for sale in TIMBER OAKS
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 Timber Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Richey. See the full Port Richey guide →
Timber Oaks — neighborhood snapshot
Population
4,268
Median age
56
Median income
$40,850
Median home value
$168,641
Avg household
2
Households w/ children
350
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Richey market
$229K → $229K
Port Richey median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
2 of 10
TIMBER OAKS have cut their price
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% below the PORT RICHEY 34668 median. See the full Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 10811 PEPPERTREE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$269,900
8130 MERRIMAC DRIVE · same community
2 bd · 2 ba · 1,470 sqft · $184/sqft · 196 DOM
Sold · Feb ’26$190,000
10733 FALLEN LEAF LANE · same community
2 bd · 2 ba · 1,470 sqft · $129/sqft · 56 DOM
Sold · May ’26$230,000
11241 ROLLINGWOOD DRIVE · same community
2 bd · 2 ba · 1,484 sqft · $155/sqft · 30 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10811 PEPPERTREE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10811 PEPPERTREE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10811 PEPPERTREE LANE FAQs
What would the monthly payment be for 10811 PEPPERTREE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,855/mo — principal and interest, the actual property-tax bill, the $55/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 10811 PEPPERTREE LANE?+
The association fee works out to $55 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10811 PEPPERTREE LANE?+
The most recent tax bill on record (2025) was $2,210. 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 10811 PEPPERTREE LANE?+
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 Port Richey?+
At $230,000, this home is listed about 8% below the Port Richey median of $250,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10811 PEPPERTREE LANE?+
Gulf Highlands Elementary School (elementary), Bayonet Point Middle School (middle), Fivay High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · David Ramos. MLS #TB8542520.
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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