
4156 FLORAMAR TERRACE, NEW PORT RICHEY, FL, 34652
Active2 days on marketListed Sep 18, 2026MLS #TB8543177
About this home
4156 FLORAMAR TERRACE
WATERFRONT LIVING WITH GULF ACCESS! Discover the Florida boating lifestyle right outside your back door! Located in the desirable Gulf Harbors community of New Port Richey, this charming 2-bedroom, 2-bath waterfront home offers approximately 50 feet of saltwater canal frontage with direct access to the Gulf of America. Step outside to your private waterfront retreat featuring a dock, davits and concrete seawall—perfect for boating, fishing, kayaking or simply relaxing by the water. The expansive paver patio in the fenced backyard provides plenty of room for outdoor dining, entertaining and enjoying Florida's beautiful sunsets. The interior has been completely updated—new tile flooring throughout, paint, kitchen cabinets, granite countertops, appliances, bathrooms, fixtures, the works! The home features an inviting open floor plan and a comfortable living area. The spacious primary bedroom includes a walk-in closet and private en-suite bath, while a second bedroom and full guest bath provide comfortable accommodations for family and visitors. For boating enthusiasts, this is where the property truly shines. Leave from your own backyard and head out for a day on the Gulf, visit the nearby sandbars, fish the local waters or cruise to one of the area's waterfront restaurants. The Gulf Harbors community also offers residents access to a private community boat ramp ($125/year) and private beach with grills, pavilions, restrooms and showers ($200/year). Whether you're searching for a full-time waterfront residence, seasonal Florida getaway or simply a place where you can keep the boat steps from your back door, this property offers an opportunity to enjoy the waterfront lifestyle that makes Florida's Gulf Coast so special. Bring your boat and start living the Florida waterfront lifestyle! Schedule your private tour today.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
988
Sqft
0.14 ac
Lot size
1
Garage
1967
Year built
One
Levels
$405
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.
$3,037 /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
$3,037/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
+73.9%
$/sqft vs New Port Richey actives
$405 vs $197
Days on market
2 vs 55 typical
Where $405/sqft sits among the 400 New Port Richey actives
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 → $275K
New Port Richey median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
262 of 400
New Port Richey actives have cut their price
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 105% 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 4156 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 · Jun ’26$535,000
4113 FLORAMAR TERRACE · same community
3 bd · 2.5 ba · 1,584 sqft · $338/sqft · 88 DOM
Sold · Apr ’26$1,720,000
3154 BRIGANTINE COURT · same community
4 bd · 2.5 ba · 4,018 sqft · $428/sqft · 180 DOM
Sold · Jul ’26$212,500
4041 VALENCIA DRIVE
2 bd · 1 ba · 975 sqft · $218/sqft · 3 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 4156 FLORAMAR TERRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4156 FLORAMAR TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4156 FLORAMAR TERRACE FAQs
What would the monthly payment be for 4156 FLORAMAR TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,037/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 4156 FLORAMAR TERRACE?+
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 4156 FLORAMAR TERRACE?+
The most recent tax bill on record (2025) was $4,021. 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 4156 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 $400,000, 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 4156 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
Three things that matter here
01Positioned at the premium end
$400,000 runs 105% 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.
03Fresh on the market
Only 2 days on market in a New Port Richey market that averages 55 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of TRINITY REALTY SOLUTIONS, LLC · Kenneth Jensen. MLS #TB8543177.
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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