11438 MERGANSER WAY, NEW PORT RICHEY, FL, 34654
Active8 days on marketListed Sep 12, 2026MLS #TB8547787
About this home
11438 MERGANSER WAY
Virtually Staged. RARE CUL-DE-SAC, CONSERVATION & POND VIEW, NO REAR NEIGHBORS—AND A ONE-OWNER HOME! Pride of ownership is evident throughout this beautifully maintained 3-bedroom, 2-bath home in gated 55+ Cross Creek at Summertree, the newest section of Summertree. What truly sets this home apart is its peaceful location toward the back of the community, with little to no through traffic and a private backyard setting overlooking conservation and a pond, where deer are frequent visitors. Even more unique, a buildable lot is available next door—an exceptional opportunity for someone who may want to build a second home nearby for family or friends. Enjoy the tranquil views year-round from the window-enclosed Florida room with tile flooring, a wonderful bonus living area not included in the home's main heated square footage. Inside, the light and bright split-bedroom floor plan provides excellent privacy for owners and guests, with spacious living and dining areas enhanced by crown molding and easy-care tile flooring. The open kitchen features granite countertops, wood cabinetry, stainless steel appliances, a breakfast bar and casual dining area, while both bathrooms also feature granite countertops. The generous primary suite offers a walk-in closet and private bath with dual sinks and a walk-in shower. Adding to the home's appeal, the HVAC was replaced in 2025, the garage floor has a durable coated finish, and a backyard patio provides the perfect spot for grilling while enjoying the peaceful surroundings. Decorative concrete curbing accents the landscaped beds and further reflects the care this one-owner home has received. Summertree makes Florida living easy with HOA-provided lawn and landscape maintenance, exterior painting, irrigation, trash removal, high-speed internet and cable TV, leaving more time to enjoy the community's heated pool and spa, fitness center, pickleball, tennis, bocce, clubhouse activities and 9-hole public golf course. Convenient to shopping, dining, medical facilities, beaches, US 19 and the Suncoast Parkway, this home offers a rare combination of cul-de-sac privacy, conservation and pond views, no rear neighbors and the active, low-maintenance lifestyle of one of the area's established 55+ golf cart communities. Come experience the view, the Florida room, the peaceful setting and the Summertree lifestyle for yourself!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,558
Sqft
0.18 ac
Lot size
2
Garage
2013
Year built
One
Levels
$209
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.
$2,649 /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
$2,649/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
+1.9%
$/sqft vs New Port Richey actives
$209 vs $198
Days on market
8 vs 55 typical
Where $209/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 Summertree
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 →
Summertree — neighborhood snapshot
Population
1,835
Median age
60
Median income
$44,847
Median home value
$169,874
Avg household
2
Households w/ children
159
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)
263 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 55% above the NEW PORT RICHEY 34654 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 11438 MERGANSER WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$313,500
11236 MERGANSER WAY · same community
3 bd · 2 ba · 1,558 sqft · $201/sqft · 68 DOM
Sold · Apr ’26$310,000
11150 PARADISE POINT WAY · same community
3 bd · 2 ba · 1,558 sqft · $199/sqft · 5 DOM
Sold · Nov ’25$295,000
11220 GODWIT COURT · same community
3 bd · 2 ba · 1,534 sqft · $192/sqft · 146 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11438 MERGANSER WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11438 MERGANSER WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11438 MERGANSER WAY FAQs
What would the monthly payment be for 11438 MERGANSER WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,649/mo — principal and interest, the actual property-tax bill, the $234/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 11438 MERGANSER WAY?+
The association fee works out to $234 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11438 MERGANSER WAY?+
The most recent tax bill on record (2025) was $2,374. 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 11438 MERGANSER WAY?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $325,000, this home is listed about 14% 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 11438 MERGANSER WAY?+
Moon Lake Elementary School (elementary), Fivay High School (high), Hudson Academy (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA EXECUTIVE REALTY · Dave Maks. MLS #TB8547787.
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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