10531 MIRACLE LANE, NEW PORT RICHEY, FL, 34654
Active71 days on marketListed Aug 28, 2026MLS #W7889032
About this home
10531 MIRACLE LANE
WELCOME TO YOUR EXECUTIVE HOME at 10531 Miracle Ln, New Port Richey in the UPSCALE gated community of Reserve at Golden Acres. This CUSTOM-BUILT model features 3 bedrooms, 3 bathrooms & 3 car garage on a PREMIUM LOT of 1.22 acres with pond & conservation views. This MAGNIFICENT ESTATE HOUSE has 2,032 heated sqft & a SPRAWLING 4,029 total sqft! SPLENDID exterior features are like NEW roof (12/2021), octagonal AMISH-BUILT GAZEBO with screening, wood deck, power, rope lighting & ceiling fan, LUSH tropical landscaping, carriage lights, expansive & pavered driveway & walkway, accent lighting & security system. Your GORGEOUS home features a REFRESHING, IN-GROUND, GAS-HEATED, SWIMMING POOL & SPA with FOUNTAIN within a HUGE pavered & screened lanai. Enjoy the enclosed patio with glass windows over the screens, ceiling fan, privacy rolling shades for the windows & portable AC unit which conveys with the sale. Walking past the STATELY pair of porch columns & stepping through the tall glass double doors, you'll LOVE how BRIGHT & CHEERY everything feels with NATURAL SUNSHINE streaming through the multiple windows ILLUMINATING the interior. The windows feature CUSTOM WOOD PLANTATION SHUTTERS for a truly ELEGANT TOUCH. You'll MARVEL at the volume ceilings, plentiful lights & ENGINEERED PECAN HARDWOOD FLOORS in the primary bedroom, living & dining rooms. The kitchen, bathrooms, dinette & laundry rooms feature ceramic tile floors. The OPEN CONCEPT PLAN consists of the foyer, kitchen, breakfast nook & formal dining & living rooms. The GOURMET kitchen features stainless steel appliances: like new fridge (2025), BRAND NEW DISPOSAL (8/2026), microwave, range & Bosch dishwasher. Additionally, there are PREMIUM wood cabinets with upper & lower trim & hardware, tile backsplash, GRANITE counters, WALK-IN pantry & breakfast bar. Enjoy a casual meal in the dinette with pretty chandelier or utilize the formal dining room for entertaining. Create memories in the SPACIOUS living room with double-tray ceiling. After a long day, retreat to the EXQUISITE primary bedroom suite with private bathroom. The primary bedroom can easily accommodate king size furniture & has dual closets (1 walk-in & 1 built-in) & ceiling fan. The private bathroom consists of dual sinks, granite counters, linen closet, upper shelving, private toilet room, garden soaking tub & a separate step-in shower with shower bench. Two more bedrooms are located on the opposite wing of the home & have their own bathroom. These bedrooms are equal in size & have a ceiling fan & built-in closets. The bedroom which is currently set up as an office has a SUPER COOL CORK FLOOR! The bathroom located by this office consists of tub/shower combo, cultured marble counter, cabinet storage & a linen closet in the hall. The third bathroom with shower is a true POOL BATH with direct access to the pool area. MORE THINGS TO LOVE ABOUT YOUR NEW HOME ON MIRACLE LN: dedicated laundry room with cabinets & utility sink, Water heater (11/2023), water softener system, crown moldings throughout the home, all base & crown moldings & doors painted in 2025, archway entrances into the rooms, house wired for security, sprinklers/irrigation around the property on county water, oversized garage & 2 vinyl tool sheds on the property convey. Close to VIBRANT amenities like restaurants, beaches, shopping plazas, medical facilities, airport, places of worship & tourist attractions, makes this location IDEAL! MAKE THIS YOUR FUTURE HOME!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,032
Sqft
1.22 ac
Lot size
3
Garage
2002
Year built
One
Levels
$273
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.
$4,611 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,611/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+8.6%
$/sqft vs New Port Richey actives
$273 vs $194
Days on market
71 vs 66 typical
Where $273/sqft sits among the 400 New 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 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
$284K → $280K
New Port Richey median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
229 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 147% above the NEW PORT RICHEY 34654 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 10531 MIRACLE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$370,000
11414 CRISFIELD PLACE
4 bd · 2 ba · 2,028 sqft · $182/sqft · 72 DOM
Sold · Mar ’26$229,000
10042 GILMER STREET
4 bd · 2 ba · 2,052 sqft · $112/sqft · 3 DOM
Sold · Apr ’26$462,000
11166 BELLE HAVEN DRIVE
4 bd · 2 ba · 2,056 sqft · $225/sqft · 81 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10531 MIRACLE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10531 MIRACLE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10531 MIRACLE LANE FAQs
What would the monthly payment be for 10531 MIRACLE LANE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,611/mo — principal and interest, the actual property-tax bill, the $135/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 10531 MIRACLE LANE?+
The association fee works out to $135 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10531 MIRACLE LANE?+
The most recent tax bill on record (2026) was $3,122. 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 10531 MIRACLE LANE?+
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 $555,000, this home is listed about 98% above the New Port Richey median of $279,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10531 MIRACLE LANE?+
Moon Lake Elementary School (elementary), Fivay High School (high), Hudson Academy (middle) — 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
$555,000 runs 147% above the NEW PORT RICHEY 34654 median — but at 2,032 sqft it's also 44% larger than the typical New Port Richey listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $560,000, now $555,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY · Janina Wozniak. MLS #W7889032.
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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