10970 PEPPERTREE LANE, PORT RICHEY, FL, 34668
Active6 days on marketListed Oct 13, 2026MLS #TB8557737
About this home
10970 PEPPERTREE LANE
Welcome to 10970 Pettertree Lane, located in the desirable Driftwood Village of Timber Oaks! This spacious 2-bedroom, 2-bath home has been freshly painted and is ready for you to move right in and make it your own. Featuring a comfortable, open living space, two full bathrooms and an attached 2-car garage, this home offers plenty of room for everyday living, entertaining and storage. Step outside and enjoy the added privacy of having NO REAR NEIGHBORS, creating a peaceful backyard setting perfect for relaxing and enjoying the Florida lifestyle. Even better, the property is located in a NON-FLOOD ZONE! One of the best features of this location is that Driftwood Village is one of the unique FAMILY VILLAGES within Timber Oaks and is NOT restricted to residents 55 and older—opening the door to buyers of all ages! For those who meet the community’s age qualifications, Driftwood homeowners also have the option to become Senior Option Members and enjoy access to Timber Oaks’ impressive clubhouse complex and active-adult amenities. Qualifying Senior Option Members can take advantage of the community clubhouse, swimming pool and spa, fitness center, billiards, card rooms, arts and crafts spaces and an incredible variety of clubs, activities and social events. Timber Oaks also offers beautiful common areas and outdoor recreational opportunities, including tennis, pickleball, shuffleboard, bocce and scenic areas throughout the community. Enjoy the best of both worlds—a home in a non-age-restricted village with the opportunity for qualifying residents to enjoy the active lifestyle and amenities Timber Oaks is known for. Conveniently located near shopping, dining, medical facilities, parks, Gulf Coast recreation and everything the Port Richey area has to offer, 10970 Pettertree Lane is ready to welcome its next owner. Come see all this home and community have to offer!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,358
Sqft
0.17 ac
Lot size
1978
Year built
One
Levels
$177
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.
$2,006 /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
$2,006/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
+10%
$/sqft vs Port Richey actives
$177 vs $190
Days on market
6 vs 57 typical
Where $177/sqft sits among the 366 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 Timber Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Richey. See the full Port Richey guide →
Timber Oaks — neighborhood snapshot
Population
4,268
Median age
56
Median income
$40,850
Median home value
$168,641
Avg household
2
Households w/ children
350
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Richey market
$229K → $229K
Port Richey median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
200 of 366
Port Richey actives have cut their price
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% above the PORT RICHEY 34668 median. See the full Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 10970 PEPPERTREE 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$310,000
11033 SALT TREE DRIVE · same community
2 bd · 2 ba · 1,263 sqft · $245/sqft · 38 DOM
Sold · Apr ’26$260,000
11201 ISLAND PINE DRIVE · same community
3 bd · 2 ba · 1,472 sqft · $177/sqft · 13 DOM
Sold · Mar ’26$298,000
11134 ISLAND PINE DRIVE · same community
3 bd · 3 ba · 1,612 sqft · $185/sqft · 104 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 10970 PEPPERTREE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10970 PEPPERTREE LANE — 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
10970 PEPPERTREE LANE FAQs
What would the monthly payment be for 10970 PEPPERTREE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,006/mo — principal and interest, the actual property-tax bill, the $16/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 10970 PEPPERTREE LANE?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10970 PEPPERTREE LANE?+
The most recent tax bill on record (2025) was $3,737. 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 10970 PEPPERTREE 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 Port Richey?+
At $240,000, this home is listed about 4% below the Port Richey median of $249,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10970 PEPPERTREE LANE?+
Gulf Highlands Elementary School (elementary), Bayonet Point Middle School (middle), Fivay High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KATIE DUCHARME REALTY, LLC · Katie Ducharme Procissi. MLS #TB8557737.
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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