CENTURY 21 Edge
$400,0002 bd1.5 ba988 sqft$405 /sqft$3,037 /mo all-in ↓

4156 FLORAMAR TERRACE, NEW PORT RICHEY, FL, 34652

Active2 days on marketListed Sep 18, 2026MLS #TB8543177

WaterfrontSingle Family ResidenceFLOR A MAR REP

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

WaterfrontPets allowed

Inside

FlooringTile
AppliancesDishwasher · Disposal · Electric Water Heater · Ice Maker · Kitchen Reverse Osmosis System · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · In Garage
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ExteriorRain Gutters · Sliding Doors

Community & fees

HOA fee$10/mo
Taxes (2025)$4,021/yr
PetsYes
CommunityGulf/Ocean Front · Private Boat Ramp · Association Recreation - Owned · Deed Restrictions · Golf Carts OK · Park

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fiber Optics · Phone Available · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

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%

Principal & interest$2,355
FHA mortgage insurance (est.)$177
Property tax — 2025 actual bill$335
HOA fee — from the listing$10
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,000
Interest rate6.00%
Loan term

Estimated payment

$3,037/mo

Principal & interest$2,355
FHA mortgage insurance (est.)$177
Property taxes (actual bill)$335
HOA / condo fee$10
Est. insurance$160

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.

List $400K
$197KedgeAI estimate $230,015 · range $205K$293K$416K

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

85
130
112
35
9
29 · this home
$95–147$147–200$200–252$252–304$304–356$356+

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

Tampa Int’l Airport (TPA)48 min
Downtown Tampa51 min

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

HighGulf High School★★★★
MiddleGulf Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The New Port Richey market

Seller’s marketBalanced5.0 months of inventoryBuyer’s 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

Sep 18, 2026Listed at $400,000 · 2 days on market since
1967Built · FLOR A MAR REP

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.

4113 FLORAMAR TERRACESold · Jun ’26

$535,000

4113 FLORAMAR TERRACE · same community

3 bd · 2.5 ba · 1,584 sqft · $338/sqft · 88 DOM

3154 BRIGANTINE COURTSold · Apr ’26

$1,720,000

3154 BRIGANTINE COURT · same community

4 bd · 2.5 ba · 4,018 sqft · $428/sqft · 180 DOM

4041 VALENCIA DRIVESold · 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.

Shawn Lewis

Your agent

Shawn Lewis

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 4156 FLORAMAR TERRACE — start here.

Andrew Acosta

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.

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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