12309 GRIZZLY LANE, NEW PORT RICHEY, FL, 34654
Active2 days on marketListed Oct 9, 2026MLS #TB8556518
About this home
12309 GRIZZLY LANE
Bear Creek Townhome, 3 Bedroom, 2.5 Bath with one-car garage, a pond view and an inviting open floor plan, built in 2023! The kitchen features white cabinetry, granite countertops, stainless steel appliances, and a spacious island that connects seamlessly with the dining and living areas. Ceramic tile flooring throughout the main level adds style and everyday practicality, while a convenient half bath serves guests. Step outside to the covered rear patio and unwind with peaceful pond views. Upstairs, the primary suite features a walk-in closet and an ensuite bath with dual sinks and a glass-enclosed shower. Two additional bedrooms provide flexible space for guests, a home office, or hobbies, with a second full bath and upstairs laundry completing the layout. Association benefits include cable TV, internet, and exterior and grounds maintenance, helping simplify everyday upkeep. The location offers access to grocery shopping, dining, and daily conveniences along the Moon Lake Road and State Road 52 corridors, with the Suncoast Parkway providing connections throughout the Tampa Bay area. Outdoor recreation is easy to enjoy at nearby Moon Lake Park, featuring picnic shelters, a playground, basketball court, fishing access, and a boat ramp. Explore the broader area at Jay B. Starkey Wilderness Park, where hiking trails, picnic areas, and a paved biking and walking trail connect with the Suncoast Trail.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,440
Sqft
0.04 ac
Lot size
1
Garage
2023
Year built
Two
Levels
$174
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.
$2,194 /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
$2,194/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
+9.7%
$/sqft vs BEAR CRK TWNHMS
$174 vs $180
Days on market
2 vs 82 typical
Where $174/sqft sits among the 8 homes for sale in BEAR CRK TWNHMS
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
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know New Port Richey. See the full New Port Richey guide →
NEW PORT RICHEY 34654 — neighborhood snapshot
Population
24,357
Median age
44.4
Median income
$64,210
Median home value
$257,500
Avg household
2.55
Households w/ children
2,304
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 → $271K
New Port Richey median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
6 of 8
BEAR CRK TWNHMS have cut their price
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% 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 12309 GRIZZLY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$250,000
11385 SPECTACLED DRIVE · same community
3 bd · 2.5 ba · 1,440 sqft · $174/sqft · 50 DOM
Sold · May ’26$259,500
12057 GRIZZLY LANE · same community
3 bd · 2.5 ba · 1,431 sqft · $181/sqft · 179 DOM
Sold · Mar ’26$275,000
12094 GRIZZLY LANE · same community
3 bd · 2.5 ba · 1,632 sqft · $169/sqft · 51 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12309 GRIZZLY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12309 GRIZZLY LANE — 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
12309 GRIZZLY LANE FAQs
What would the monthly payment be for 12309 GRIZZLY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,194/mo — principal and interest, the actual property-tax bill, the $186/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 12309 GRIZZLY LANE?+
The association fee works out to $186 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12309 GRIZZLY LANE?+
The most recent tax bill on record (2025) was $3,198. 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 12309 GRIZZLY 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 New Port Richey?+
At $249,900, this home is listed about 10% below the New Port Richey median of $278,990. The market section on this page shows how the area is trending.
Which schools are assigned to 12309 GRIZZLY LANE?+
River Ridge Middle School (middle), Cypress Elementary School (elementary) — 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
$249,900 runs 25% above the NEW PORT RICHEY 34654 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 2 days on market in a New Port Richey market that averages 82 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of GUARDIAN REAL ESTATE SERVICES · Justin Ostow. MLS #TB8556518.
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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