CENTURY 21 Edge
$389,000$395,0002 bd2 ba1,660 sqft$234 /sqft≈$2,994 /mo all-in ↓

8935 RUGER DRIVE, NEW PORT RICHEY, FL, 34655

Active105 days on marketListed Jun 29, 2026MLS #W7887159

✦ Reduced $6KSingle Family ResidenceRIVER CROSSING

About this home

8935 RUGER DRIVE

Welcome home to this beautifully maintained 2-bedroom, 2-bath residence offering 1,660 square feet of thoughtfully designed living space, plus a dedicated study and an incredibly versatile bonus room that could serve as a POSSIBLE 3rd BEDROOM, HOBBY ROOM, HOME OFFICE, CRAFT ROOM, STUDIO, GAME ROOM—YOU NAME IT!! With modern updates, flexible living spaces, and peaceful conservation views, this move-in-ready home offers a lifestyle that's easy to love. Step inside to discover laminate flooring throughout, complemented by new 24-inch ceramic tile in the kitchen. The updated kitchen features refinished cabinetry, elegant granite countertops, a one-year-old double-oven range and microwave, garbage disposal, and a new ceiling fan with light fixture. Just off the kitchen is a bright glass-enclosed porch with sliding screens and an extra refrigerator that conveys with the home—an inviting spot to enjoy your morning coffee while taking in the natural surroundings. The spacious vaulted living room features a charming wood-burning fireplace with a stone hearth and mantel, creating a warm, welcoming gathering space. French doors lead to a dedicated study, perfect for working from home, reading, or enjoying a quiet retreat. The generous primary suite features a walk-in closet and updated ensuite bath with a step-in shower, double sinks, adult-height vanity, and granite countertops. The second bedroom offers comfortable accommodations for family or guests, while an additional flexible room opens up a world of possibilities. Use it as a possible 3rd bedroom, hobby room, office, craft room, exercise space, creative studio, or whatever suits your lifestyle. One of the home's most enjoyable features is its connection to the outdoors. The light-filled rear living space and glass-enclosed porch overlook a lush conservation area where deer, birds, and native wildlife often visit. Step outside to your own private backyard retreat. Privacy fencing on both sides, a decorative picket fence along the rear, and beautiful landscaping filled with ferns and vibrant yellow and orange cannas create a peaceful, park-like setting. The expansive paver patio offers plenty of room for outdoor dining, entertaining, or simply relaxing and enjoying the Florida lifestyle. A large double gate provides convenient backyard access. Major improvements and additional features include a newer roof and HVAC, both approximately three years old; a 2025 water heater; hurricane-rated windows and garage door; a new full-view glass storm door with retractable screen; ceiling fans throughout; cottage shutters; a skylight in the guest bathroom; and a 2-car garage with laundry area and laundry sink hookups. The expanded 2025 driveway provides parking for up to six vehicles. The current owners have also enjoyed surprisingly low utility costs, with recent monthly electric and water bills averaging approximately $124 each. Conveniently located near schools, Publix, Walmart, medical offices, banks, pharmacies, shopping, and dining, this home combines everyday convenience with the serenity of a conservation setting. Whether you need two bedrooms, a possible third bedroom, a dedicated study, space for your hobbies, or simply room to spread out, this home gives you the flexibility to make it your own. Come experience the peaceful conservation views, beautiful backyard, and comfortable Florida lifestyle for yourself!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,660

Sqft

0.19 ac

Lot size

2

Garage

1988

Year built

One

Levels

$234

Per sqft

FireplaceTrees/Woods view

Inside

FlooringTile
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorEating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewTrees/Woods
FacesSouth
ExteriorPrivate Yard

Community & fees

HOA fee$16/mo
Taxes (2025)$4,269/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

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.

$2,994 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,290
FHA mortgage insurance (est.)$172
Property tax — 2025 actual bill$356
HOA fee — from the listing$16
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,615Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,615
Interest rate6.00%
Loan term

Estimated payment

$2,994/mo

Principal & interest$2,290
FHA mortgage insurance (est.)$172
Property taxes (actual bill)$356
HOA / condo fee$16
Est. insurance$160

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.

List $389K
$269KedgeAI estimate $311,561 · range $280K–$343K$405K

vs edgeAI estimate

+24.9%

$/sqft vs New Port Richey actives

$234 vs $196

Days on market

105 vs 82 typical

Where $234/sqft sits among the 400 New Port Richey actives

86
135
114 · this home
25
8
32
$90–146$146–202$202–258$258–314$314–370$370+

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

Tampa Int’l Airport (TPA)≈ 43 min
Downtown Tampa≈ 46 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know New Port Richey. See the full New Port Richey guide →

NEW PORT RICHEY 34655 — neighborhood snapshot

Population

47,696

Median age

45.7

Median income

$85,107

Median home value

$353,000

Avg household

2.53

Households w/ children

5,515

For the school run

Pasco County School District

ElementaryLongleaf Elementary School★★★★★
HighJames W. Mitchell High School★★★★★
MiddleSeven Springs Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The New Port Richey market

Seller’s marketLeans seller — 4.9 months of inventoryBuyer’s market

$280K → $271K

New Port Richey median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

244 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 19% above the NEW PORT RICHEY 34655 median. See the full New Port Richey market guide →

Paper trail

This home's history

CurrentPrice reduced to $389,000 ▼ $6K
Jun 29, 2026Listed at $395,000 · 105 days on market since
1988Built · RIVER CROSSING

Reality check

What actually sold near 8935 RUGER DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

9135 HAWKINS COURTSold · May ’26

$430,000

9135 HAWKINS COURT · same community

3 bd · 2 ba · 1,684 sqft · $255/sqft · 19 DOM

5701 MOSSBERG DRIVESold · Jul ’26

$310,000

5701 MOSSBERG DRIVE · same community

3 bd · 2 ba · 1,709 sqft · $181/sqft · 216 DOM

9035 REMINGTON DRIVESold · Apr ’26

$425,000

9035 REMINGTON DRIVE · same community

4 bd · 2 ba · 1,873 sqft · $227/sqft · 35 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.

Zack Zonker

Your agent

Zack Zonker

President Tampa Division · CENTURY 21 Edge

Tours, negotiation, and every question about 8935 RUGER DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 8935 RUGER DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

8935 RUGER DRIVE FAQs

What would the monthly payment be for 8935 RUGER DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,994/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 8935 RUGER DRIVE?+

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 8935 RUGER DRIVE?+

The most recent tax bill on record (2025) was $4,269. 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 8935 RUGER DRIVE?+

The listing reports pets: 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 $389,000, this home is listed about 41% above the New Port Richey median of $275,000. The market section on this page shows how the area is trending.

Which schools are assigned to 8935 RUGER DRIVE?+

Longleaf Elementary School (elementary), James W. Mitchell High School (high), Seven Springs Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$389,000 runs 19% above the NEW PORT RICHEY 34655 median — but at 1,660 sqft it's also 23% larger than the typical New Port Richey listing.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

Longleaf Elementary School, James W. Mitchell High School, Seven Springs Middle School — James W. Mitchell High School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $395,000, now $389,000 — a $6K cut. The full history is in the market section below.

Listing courtesy of LPT REALTY, LLC · Melinda Ray. MLS #W7887159.

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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8935 RUGER DRIVE, NEW PORT RICHEY, FL — 2 Bed, 2 Bath — $389,000 | CENTURY 21 Edge