9816 SAN MATEO WAY, PORT RICHEY, FL, 34668
Active201 days on marketListed Mar 4, 2026MLS #W7883555
About this home
9816 SAN MATEO WAY
Welcome to this beautifully updated 3-bedroom, 2-bath waterfront pool home offering 2,136 square feet of open living space in the desirable Westport community of Port Richey with direct Gulf access and no bridges. Inside, the home features a stunning open-concept floor plan highlighted by a fully remodeled designer kitchen that will impress even the most discerning buyer. The kitchen showcases quartz countertops, a massive center island with seating, custom cabinetry, stainless steel appliances, and modern finishes, making it the perfect space for cooking, entertaining, and gathering with family and friends.The spacious living areas feature luxury wood-look flooring, recessed lighting, and a beautiful wood-burning fireplace, while large windows and sliding glass doors bring in natural light and showcase the waterfront setting. The primary suite offers a stylishly updated bathroom with a large walk-in shower and modern vanity, while the additional bedrooms provide comfortable space for family or guests. Step outside and experience the Florida lifestyle. The screened-in pool and paver deck overlook a wide canal, creating the perfect setting for relaxing or entertaining. Boating enthusiasts will love the private dock and boat lift, allowing you to lower your boat and be out to the Gulf of Mexico in minutes. Whether you're searching for a full-time residence or the perfect waterfront retreat, this home delivers space, style, and the ultimate Florida boating lifestyle. Schedule your private showing today and come experience waterfront living at its best.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,136
Sqft
0.23 ac
Lot size
2
Garage
1979
Year built
One
Levels
$220
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 — not generic estimates.
$3,372 /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
$3,372/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
+7.9%
$/sqft vs WEST PORT SUB
$220 vs $207
Days on market
201 vs 40 typical
Where $220/sqft sits among the 18 homes for sale in WEST PORT SUB
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 Port Richey
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Richey. See the full Port Richey guide →
PORT RICHEY 34668 — neighborhood snapshot
Population
48,025
Median age
42.2
Median income
$45,760
Median home value
$168,800
Avg household
2.32
Households w/ children
5,000
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)
13 of 18
WEST PORT SUB have cut their price
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 95% 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 9816 SAN MATEO 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$340,000
9909 SAN DIEGO WAY · same community
3 bd · 2.5 ba · 2,275 sqft · $149/sqft · 88 DOM
Sold · Jul ’26$630,000
9832 ISLAND HARBOR DRIVE · same community
4 bd · 3.5 ba · 2,291 sqft · $275/sqft · 261 DOM
Sold · Jun ’26$395,000
9903 SAN MATEO WAY · same community
3 bd · 2 ba · 1,884 sqft · $210/sqft · 42 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 9816 SAN MATEO WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9816 SAN MATEO WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9816 SAN MATEO WAY FAQs
What would the monthly payment be for 9816 SAN MATEO WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,372/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 9816 SAN MATEO WAY?+
The most recent tax bill on record (2025) was $2,926. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Port Richey?+
At $469,000, this home is listed about 88% above the Port Richey median of $250,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9816 SAN MATEO WAY?+
Chasco Middle School (middle), Chasco 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
$469,000 runs 95% above the PORT RICHEY 34668 median — but at 2,136 sqft it's also 59% larger than the typical Port Richey listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
201 days on market against a Port Richey median of 40 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of SNAP REALTY LLC · Shawn Poole. MLS #W7883555.
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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