4532 FLORAMAR TERRACE, NEW PORT RICHEY, FL, 34652
Active8 days on marketListed Oct 30, 2026MLS #W7890510
About this home
4532 FLORAMAR TERRACE
Virtually Staged. A boater’s dream with beautiful canal views and amazing sunsets from the floating dock! This meticulously maintained two-bedroom, two-bath waterfront home in Gulf Harbors’ Flor-A-Mar community invites you to enjoy the Florida lifestyle with a screened pool, heated spillover spa, and 10,000-pound boat lift. Beautifully cared for inside and out, the home features thoughtful storage solutions that make excellent use of the available space. Inside, beautiful tile floors and crown molding in the living room complement an updated kitchen featuring granite countertops, stainless steel appliances, and a center island. The spacious rear Florida room showcases vaulted ceilings, abundant natural light, and views of the pool and spa. Two sets of sliding glass doors connect the interior to the screened outdoor living area, making entertaining easy. The primary suite offers both a walk-in closet and a separate additional closet, along with an updated en suite bathroom featuring a walk-in shower. The updated guest bathroom includes a tub/shower combination. Impact windows, an inside laundry room, and a whole-home water softener add everyday convenience. Spend your afternoons beside the pool, unwind in the propane-heated spa, or rinse off in the outdoor shower after time on the water. A grilling area along one side of the home makes outdoor meals convenient. Enjoy waterfront seating along the seawall, a stationary dock, and a floating dock looking directly down the canal—the perfect spot to watch the sunset. A covered carport and extended paver parking pad provide ample off-street parking, while a wide side gate offers access for golf cart storage behind the white PVC fence. Concrete and paver surfaces along both sides of the home, exterior storage closets on each side, and additional storage bins keep boating gear and outdoor essentials organized. Newer updated include: HVAC 2025, Spa heater 2025, Range, dishwasher. Enjoy life in a golf cart community with private beach club membership available. Come live the Florida dream!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,300
Sqft
0.14 ac
Lot size
1962
Year built
One
Levels
$404
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.
$4,315 /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
$4,315/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
+22.6%
$/sqft vs FLOR A MAR
$404 vs $389
Days on market
8 vs 66 typical
Where $404/sqft sits among the 56 homes for sale in FLOR A MAR
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 Flor-a-mar
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 →
Flor-a-mar — neighborhood snapshot
Population
2,804
Median age
54
Median income
$104,709
Median home value
$475,050
Avg household
2
Households w/ children
142
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)
29 of 56
FLOR A MAR have cut their price
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 178% above the NEW PORT RICHEY 34652 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 4532 FLORAMAR TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$290,000
5061 ENSIGN LOOP · same community
3 bd · 2 ba · 1,303 sqft · $223/sqft · 0 DOM
Sold · May ’26$345,000
5540 LEEWARD LANE · same community
2 bd · 2 ba · 1,316 sqft · $262/sqft · 0 DOM
Sold · Dec ’25$299,000
3818 TOPSAIL TRAIL · same community
2 bd · 2 ba · 1,351 sqft · $221/sqft · 52 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4532 FLORAMAR TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4532 FLORAMAR TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4532 FLORAMAR TERRACE FAQs
What would the monthly payment be for 4532 FLORAMAR TERRACE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,315/mo — principal and interest, the actual property-tax bill, the $10/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 4532 FLORAMAR TERRACE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4532 FLORAMAR TERRACE?+
The most recent tax bill on record (2025) was $3,700. 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 4532 FLORAMAR TERRACE?+
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 $525,000, this home is listed about 88% 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 4532 FLORAMAR TERRACE?+
Gulf High School (high), Gulf Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Judi Pobst. MLS #W7890510.
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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