11398 SPECTACLED DRIVE, NEW PORT RICHEY, FL, 34654
Active1 days on marketListed Oct 10, 2026MLS #TB8556855
About this home
11398 SPECTACLED DRIVE
AMAZING VALUE IN BEAR CREEK TOWNHOMES! Welcome to this beautiful, turnkey 3-bedroom, 2.5-bathroom townhome built by Ryan Homes in 2025. Located in a highly desirable New Port Richey corridor, this modern home features a spacious, open-concept floor plan designed for effortless entertaining and everyday comfort. The bright kitchen boasts a large center island, premium finishes, and ample storage, flowing seamlessly into the open dining and living areas. Step outside to your private screened-in lanai—the perfect spot to relax and enjoy the serene Florida evenings. UNBEATABLE HOA PERKS WITH NO CDD FEES! The low monthly HOA fee includes high-speed internet, premium cable TV, exterior building maintenance (roof/paint), and ground landscaping with reclaimed water irrigation. Perfectly situated near top-rated shopping, local dining, and easy commuter routes. TENANT OCCUPIED—EXCELLENT READY-TO-GO INVESTMENT PIECE OR FUTURE PRIMARY RESIDENCE. Don't miss this incredible opportunity. Schedule your private tour today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,442
Sqft
0.04 ac
Lot size
1
Garage
2025
Year built
Two
Levels
$180
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.
$2,043 /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
$2,043/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
+2.7%
Days on market
1 vs 82 typical
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)
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% above the NEW PORT RICHEY 34654 median. See the full New Port Richey market guide →
Paper trail
This home's history
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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11398 SPECTACLED DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11398 SPECTACLED DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11398 SPECTACLED DRIVE FAQs
What would the monthly payment be for 11398 SPECTACLED DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,043/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 11398 SPECTACLED DRIVE?+
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 11398 SPECTACLED DRIVE?+
The most recent tax bill on record (2025) was $627. 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 11398 SPECTACLED DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $259,900, this home is listed about 7% 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 11398 SPECTACLED DRIVE?+
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
$259,900 runs 30% above the NEW PORT RICHEY 34654 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Fresh on the market
Only 1 day on market in a New Port Richey market that averages 82 — if it fits, move quickly.
Listing courtesy of LPT REALTY, LLC · Shannon Martin. MLS #TB8556855.
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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