CENTURY 21 Edge
$470,0004 bd2 ba1,993 sqft$236 /sqft$3,812 /mo all-in ↓

12343 MOSS LAKE LOOP, NEW PORT RICHEY, FL, 34655

Active10 days on marketListed Sep 10, 2026MLS #TB8546695

Single Family ResidenceVILLAGES/TRINITY LAKES

About this home

12343 MOSS LAKE LOOP

4 BEDROOMS • 2 BATHROOMS • SINGLE-STORY • BUILT IN 2017 • GATED COMMUNITY • 1,993 SQ FT • SPLIT-BEDROOM FLOOR PLAN • GRANITE COUNTERTOPS • OVERSIZED KITCHEN ISLAND • WALK-IN PANTRY • LARGE PRIMARY SUITE • WALK-IN CLOSET • INTERIOR LAUNDRY ROOM • 2-CAR GARAGE • ROOF, HVAC & WATER HEATER 2017 • ZONED FOR SEVEN SPRINGS MIDDLE & J.W. MITCHELL HIGH Welcome to 12343 Moss Lake Loop, New Port Richey, FL 34655, located in the Villages of Trinity Lakes — a gated community in the highly sought-after Trinity/Seven Springs area. Built in 2017, this single-story home offers 4 bedrooms, 2 bathrooms and approximately 1,993 square feet of living space, giving you the newer construction, flexible layout and location that so many buyers are searching for. From the moment you walk inside, you can tell this home has been exceptionally well cared for :). The open layout makes the main living area feel spacious and connected, while the four-bedroom split floor plan gives everyone their own space and privacy. At the center of the home is a kitchen designed to actually be used and enjoyed :). You'll find granite countertops, an oversized center island with breakfast-bar seating, stainless steel appliances, plenty of cabinetry and a large pantry. The kitchen flows directly into the main living and dining areas, making it equally comfortable for a quiet night at home or a house full of friends and family. The primary suite is tucked away from the secondary bedrooms and offers plenty of room to unwind. It features a large walk-in closet, dual-sink vanity and step-in shower, creating a comfortable private retreat at the end of the day. On the opposite side of the home, three additional bedrooms provide the flexibility today's buyers are looking for. Use all four as bedrooms, or turn one into a home office, gym, playroom or hobby space :). An interior laundry room with additional cabinetry provides even more everyday storage. And here's something buyers will appreciate beyond the cosmetic features: the home has a clean 4-point inspection and is fully insurable, while the roof, HVAC system and water heater date to 2017. That means you're looking at a relatively young home where the major components aren't decades old. For families considering the area, current listing information places the home in the Odessa Elementary, Seven Springs Middle and J.W. Mitchell High School attendance zones. Seven Springs Middle currently carries an 8/10 GreatSchools rating. School boundaries and ratings can change, so buyers should independently verify enrollment eligibility with Pasco County Schools. The location may be one of the home's biggest advantages. You're in the Trinity/New Port Richey 34655 area, just off the Route 54 corridor with convenient access to shopping, restaurants, parks and everyday necessities. Tampa International Airport is roughly 35–40 minutes away under typical routing estimates, while Tampa and the Gulf Coast are within easy reach :). If you've been searching for a move-in-ready 4-bedroom home in New Port Richey or Trinity, a newer single-story home in a gated community, a home zoned for Seven Springs Middle and Mitchell High, or a 2017-built home near State Road 54, 12343 Moss Lake Loop checks a lot of difficult-to-find boxes. This isn't a home that needs to be completely reimagined after you move in. It's been cared for, it offers a smart floor plan, and it's ready for someone new to make it home :).

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

1,993

Sqft

0.17 ac

Lot size

2

Garage

2017

Year built

One

Levels

$236

Per sqft

Pets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan
LaundryCommon Area · Inside
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ParkingCovered · Curb Parking · Driveway · Guest · On Street
ExteriorGarden · Irrigation System · Lighting · Other · Private Mailbox · Rain Gutters · Sidewalk · Sprinkler Metered

Community & fees

HOA fee$80/mo
Taxes (2025)$7,165/yr
PetsYes
CommunityGated Community - No Guard

Utilities & systems

UtilitiesPublic
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.

$3,812 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,767
FHA mortgage insurance (est.)$208
Property tax — 2025 actual bill$597
HOA fee — from the listing$80
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,450Loan30-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% · $16,450
Interest rate6.00%
Loan term

Estimated payment

$3,812/mo

Principal & interest$2,767
FHA mortgage insurance (est.)$208
Property taxes (actual bill)$597
HOA / condo fee$80
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 $470K
$451KedgeAI estimate $516,967 · range $477K$551K$573K

vs edgeAI estimate

−9.1%

$/sqft vs New Port Richey actives

$236 vs $197

Days on market

10 vs 55 typical

Where $236/sqft sits among the 400 New Port Richey actives

85
129
113 · this home
35
9
29
$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 New Port Richey

Drive times from this address

Tampa Int’l Airport (TPA)33 min
Downtown Tampa37 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know New Port Richey. See the full New Port Richey guide →

NEW PORT RICHEY 34655 — neighborhood snapshot

Population

47,696

Median age

45.7

Median income

$85,107

Median home value

$353,000

Avg household

2.53

Households w/ children

5,515

For the school run

Pasco County School District

ElementaryLongleaf Elementary School★★★★★
HighJames W. Mitchell High School★★★★
MiddleSeven Springs 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 38% above the NEW PORT RICHEY 34655 median. See the full New Port Richey market guide →

Paper trail

This home's history

Sep 10, 2026Listed at $470,000 · 10 days on market since
2017Built · VILLAGES/TRINITY LAKES

Reality check

What actually sold near 12343 MOSS LAKE LOOP

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

11930 LAKE BOULEVARDSold · May ’26

$539,900

11930 LAKE BOULEVARD · same community

3 bd · 2.5 ba · 2,074 sqft · $260/sqft · 19 DOM

12010 LAKE BOULEVARDSold · Jun ’26

$489,000

12010 LAKE BOULEVARD · same community

5 bd · 3.5 ba · 2,507 sqft · $195/sqft · 1 DOM

11656 LAKE BOULEVARDSold · Mar ’26

$465,000

11656 LAKE BOULEVARD · same community

5 bd · 3.5 ba · 2,507 sqft · $185/sqft · 99 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.

Anealya Hammad

Your agent

Anealya Hammad

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 12343 MOSS LAKE LOOP — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12343 MOSS LAKE LOOP — before you fall in love.

See it in person

Schedule a tour

Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12343 MOSS LAKE LOOP FAQs

What would the monthly payment be for 12343 MOSS LAKE LOOP?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,812/mo — principal and interest, the actual property-tax bill, the $80/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 12343 MOSS LAKE LOOP?+

The association fee works out to $80 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 12343 MOSS LAKE LOOP?+

The most recent tax bill on record (2025) was $7,165. 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 12343 MOSS LAKE LOOP?+

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 $470,000, this home is listed about 65% 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 12343 MOSS LAKE LOOP?+

Longleaf Elementary School (elementary), James W. Mitchell High School (high), Seven Springs Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of CHARLES RUTENBERG REALTY INC · Phil Schaeffer, III. MLS #TB8546695.

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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