CENTURY 21 Edge
$800,0005 bd3.5 ba3,945 sqft$203 /sqft$5,351 /mo all-in ↓

11352 OYSTER BAY CIR, NEW PORT RICHEY, FL, 34654

Active2 days on marketListed Sep 18, 2026MLS #W7888855

WaterfrontSingle Family ResidenceWATERS EDGE

About this home

11352 OYSTER BAY CIR

Lakefront Living in a Resort-Style Gated Community LAKEFRONT LIVING WITH BOATING ACCESS! This spacious 5-bedroom, 3.5-bath home with a loft and dedicated home office/den offers beautiful lake views, an expansive backyard, and a special opportunity reserved for lakefront homeowners—access to the community boat ramp and the ability to add your own private dock. Bring the boat or jet skis and enjoy the Florida lakefront lifestyle right from home while enjoying a property situated high and dry from storms. Step through the beautiful leaded-glass entry doors into an impressive formal living room featuring soaring ceilings and a grand staircase leading to the second floor. A separate formal dining room provides plenty of space for entertaining and special occasions. At the heart of the home is the updated kitchen, featuring crisp white cabinetry, stainless steel appliances, a center island, and plenty of workspace and storage. The adjoining breakfast nook is surrounded by seamless windows showcasing gorgeous lake views, creating the perfect place to start your morning. The spacious family room also overlooks the water, keeping those beautiful views front and center throughout the main living areas. The first-floor primary suite is a true retreat with peaceful lake views, a private en suite bathroom, and a large walk-in closet. Head upstairs to find four additional bedrooms plus a spacious loft, offering plenty of room for family, guests, a game room, media space, or second living area. Outside is where this property truly sets itself apart. The large backyard leads toward the lake, giving you the opportunity to create your own waterfront retreat. Unlike nonlakefront homes in the community, this lakefront property offers boating privileges and the potential for a private dock, allowing you to take full advantage of life on the water. And the lifestyle doesn't stop at your backyard! This gated, resort-style community offers an impressive collection of amenities including a clubhouse, fitness center, basketball court, pickleball court, playgrounds, fishing pier, and boat ramp exclusively available to lakefront homeowners. The HOA fee also includes trash, internet, cable TV, and more, adding even more value and convenience. Conveniently located near shopping, dining, hospitals, schools, and everyday necessities, this home combines space, recreation, convenience, and a waterfront lifestyle that's difficult to duplicate. This isn't just a home, it's the Florida lakefront lifestyle you've been waiting for. Schedule your private showing today!

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

3,945

Sqft

0.29 ac

Lot size

3

Garage

2006

Year built

Two

Levels

$203

Per sqft

WaterfrontFireplaceWater viewPets allowed

Inside

FlooringCarpet · Laminate
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Microwave · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air · Humidity Control · Zoned
HeatingCentral · Natural Gas · Zoned

Outside & construction

RoofTile
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
ViewWater
FacesNorth
ParkingDriveway · Ground Level
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$11/mo
Taxes (2025)$6,753/yr
PetsYes
CommunityBoat Slip · Community Boat Ramp · Dock · Fishing · Lake · Private Boat Ramp · Water Access · Waterfront · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · Irrigation-Reclaimed Water · Park · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Sprinkler Recycled · Underground Utilities · 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.

$5,351 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,317
PMI (est., until 20% equity)$300
Property tax — 2025 actual bill$563
HOA fee — from the listing$11
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $80,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $80,000
Interest rate6.00%
Loan term

Estimated payment

$5,351/mo

Principal & interest$4,317
PMI (est., until 20% equity)$300
Property taxes (actual bill)$563
HOA / condo fee$11
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

$/sqft vs New Port Richey actives

$203 vs $197

Days on market

2 vs 55 typical

Where $203/sqft sits among the 400 New Port Richey actives

85
130
112 · this home
35
9
29
$95–147$147–200$200–252$252–304$304–356$356+

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 Waters Edge

Drive times from this address

Tampa Int’l Airport (TPA)48 min
Downtown Tampa51 min

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

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

Waters Edge — neighborhood snapshot

Population

2,491

Median age

42

Median income

$97,864

Median home value

$378,850

Avg household

3

Households w/ children

412

For the school run

Pasco County School District

MiddleRiver Ridge Middle School★★★★★
ElementaryCypress Elementary School★★★★

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

The numbers that matter

The New Port Richey market

Seller’s marketBalanced5.0 months of inventoryBuyer’s market

$280K$275K

New Port Richey median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

262 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 282% above the NEW PORT RICHEY 34654 median. See the full New Port Richey market guide →

Paper trail

This home's history

Sep 18, 2026Listed at $800,000 · 2 days on market since
2006Built · WATERS EDGE

Reality check

What actually sold near 11352 OYSTER BAY CIR

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

11336 OYSTER BAY CIRCLESold · Nov ’25

$850,000

11336 OYSTER BAY CIRCLE · same community

5 bd · 4 ba · 3,950 sqft · $215/sqft · 8 DOM

9124 TOPNECK STSold · Sep ’25

$600,000

9124 TOPNECK ST · same community

5 bd · 4 ba · 3,564 sqft · $168/sqft · 66 DOM

11726 BELLE HAVEN DRIVESold · Nov ’25

$550,000

11726 BELLE HAVEN DRIVE · same community

5 bd · 3 ba · 3,502 sqft · $157/sqft · 122 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.

Frederick Paige

Your agent

Frederick Paige

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 11352 OYSTER BAY CIR — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11352 OYSTER BAY CIR — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

11352 OYSTER BAY CIR FAQs

What would the monthly payment be for 11352 OYSTER BAY CIR?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,351/mo — principal and interest, the actual property-tax bill, the $11/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 11352 OYSTER BAY CIR?+

The association fee works out to $11 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 11352 OYSTER BAY CIR?+

The most recent tax bill on record (2025) was $6,753. 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 11352 OYSTER BAY CIR?+

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 $800,000, this home is listed about 181% above the New Port Richey median of $284,900. The market section on this page shows how the area is trending.

Which schools are assigned to 11352 OYSTER BAY CIR?+

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

$800,000 runs 282% above the NEW PORT RICHEY 34654 median — but at 3,945 sqft it's also nearly 3 times the size of the typical New 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.

03Fresh on the market

Only 2 days on market in a New Port Richey market that averages 55 — if it fits, move quickly.

Listing courtesy of FLORIDA LUXURY REALTY INC · Christine Milano. MLS #W7888855.

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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