CENTURY 21 Edge
$340,0002 bd2 ba1,098 sqft$310 /sqft$2,609 /mo all-in ↓

4823 EBBTIDE LANE UNIT 404, PORT RICHEY, FL, 34668

Active6 days on marketListed Sep 15, 2026MLS #W7889525

WaterfrontCondominiumPOINTE PLEASANT HARBOUR CONDO

Come see it

Upcoming open house

Sat, Oct 3

12:00 AM – 4:00 PM

About this home

4823 EBBTIDE LANE UNIT 404

Panoramic water views, Gulf breezes and unforgettable sunsets are waiting for you in this beautifully updated waterfront condo on the Cotee River. Open the sliders, step onto the balcony and let the Gulf breeze in. From this fourth-floor waterfront home, you're looking across the Pithlachascotee (Cotee) River toward the Gulf, with expansive Gulf views, the iconic stilt homes on the horizon, Durney Key and a front-row seat to spectacular Gulf sunsets. The seawall right below is a prime feeding spot for dolphins, so grab your coffee and spend your mornings watching the show! This is Old Florida waterfront living at its finest. The best part? You can enjoy all of it without taking on a renovation project. This move-in-ready 2-bedroom, 2-bath updated condo features granite countertops, custom soft-close cabinetry, wood plank flooring and tile, upgraded windows on the Gulf side, hurricane shutters on every window, an upgraded UV light in the air handler, and all window treatments included. California Closets in both bedrooms maximize storage and organization. The hurricane shutters add another layer of storm protection and may also provide an insurance benefit. The open living and dining area was made for this setting, keeping the water view front and center while you're cooking, entertaining or simply relaxing at home. The kitchen opens directly to the main living area, and the split-bedroom floor plan gives owners and guests their own space. The primary suite has its own spectacular water views, so the Cotee River and Gulf horizon are the first thing you see every morning. Downstairs, the waterfront community pool sits directly on the Cotee River, giving you another place to enjoy the riverfront setting while watching boats and wildlife go by. There's also boat, trailer and kayak storage, plus a community dock for temporary boat pickup and drop-off. With the marina right next door and the open Gulf only minutes away by boat, this is a location made for boating, fishing, kayaking and paddleboarding. Don't own a boat? You can still enjoy the water. Right next door you can rent kayaks, paddleboards, pontoon boats and fishing boats, with options to explore on your own or head out with a captain. When you're ready to explore beyond the water, Historic Downtown New Port Richey, Sims Park, The Hacienda, restaurants, breweries, coffee shops, shopping, beaches and waterfront restaurants are all nearby. Imagine ending your day on the balcony with a cool Gulf breeze, boats drifting along the river, dolphins and manatees passing by, and the sun setting beyond the stilt homes on the horizon. That's life at Unit 404. Come see it for yourself. It's move-in ready, the Gulf is minutes away, and the view is something you have to experience in person.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,098

Sqft

0.04 ac

Lot size

1983

Year built

Three Or More

Levels

$310

Per sqft

WaterfrontWater view

Inside

FlooringTile · Hardwood
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Window Treatments
LaundryElectric Dryer Hookup · Laundry Closet · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofConcrete
ConstructionBlock
FoundationSlab
ViewWater
FacesEast
ExteriorBalcony · Outdoor Grill · Private Mailbox · Sliding Doors

Community & fees

Taxes (2025)$3,561/yr
PetsCats OK, Dogs OK
CommunityBay/Harbor Front · Canal Front · Dock · Fishing · Gulf/Ocean Front · Marina · River · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Community Mailbox · Deed Restrictions · Golf Carts OK · Pool

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Street Lights · 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 — not generic estimates.

$2,609 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,002
FHA mortgage insurance (est.)$150
Property tax — 2025 actual bill$297
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,900Loan30-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% · $11,900
Interest rate6.00%
Loan term

Estimated payment

$2,609/mo

Principal & interest$2,002
FHA mortgage insurance (est.)$150
Property taxes (actual bill)$297
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 $340K
$143KedgeAI estimate $189,597 · range $149K$242K$354K

vs edgeAI estimate

+79.3%

$/sqft vs Port Richey actives

$310 vs $191

Days on market

6 vs 40 typical

Where $310/sqft sits among the 352 Port Richey actives

63
75
106
62
20
26 · this home
$113–147$147–180$180–213$213–247$247–280$280+

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

Tampa Int’l Airport (TPA)52 min
Downtown Tampa56 min

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

MiddleChasco Middle School★★★★
ElementaryChasco Elementary School★★★★

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

The numbers that matter

The Port Richey market

Seller’s marketLeans seller4.3 months of inventoryBuyer’s market

$229K$229K

Port Richey median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

187 of 352

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 42% above the PORT RICHEY 34668 median. See the full Port Richey market guide →

Paper trail

This home's history

Sep 15, 2026Listed at $340,000 · 6 days on market since
1983Built · POINTE PLEASANT HARBOUR CONDO

Reality check

What actually sold near 4823 EBBTIDE LANE UNIT 404

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

4823 EBBTIDE LANE UNIT 302Sold · Jun ’26

$265,000

4823 EBBTIDE LANE UNIT 302 · same community

2 bd · 2 ba · 1,098 sqft · $241/sqft · 50 DOM

4823 EBBTIDE LANE UNIT #104 UNIT 104Sold · Aug ’26

$220,000

4823 EBBTIDE LANE UNIT #104 UNIT 104 · same community

2 bd · 2 ba · 1,098 sqft · $200/sqft · 122 DOM

7037 GREEN STREETSold · Sep ’26

$218,000

7037 GREEN STREET

2 bd · 2 ba · 1,092 sqft · $200/sqft · 8 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 4823 EBBTIDE LANE UNIT 404 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4823 EBBTIDE LANE UNIT 404 — 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

4823 EBBTIDE LANE UNIT 404 FAQs

What would the monthly payment be for 4823 EBBTIDE LANE UNIT 404?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,609/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 4823 EBBTIDE LANE UNIT 404?+

The most recent tax bill on record (2025) was $3,561. 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 4823 EBBTIDE LANE UNIT 404?+

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 Port Richey?+

At $340,000, this home is listed about 36% 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 4823 EBBTIDE LANE UNIT 404?+

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

$340,000 runs 42% above the PORT RICHEY 34668 median.

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 6 days on market in a Port Richey market that averages 40 — if it fits, move quickly.

Listing courtesy of FLORIDA REAL ESTATE PARTNERS · Randal Jenkins. MLS #W7889525.

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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