4405 FLORAMAR TERRACE, NEW PORT RICHEY, FL, 34652
Active9 days on marketListed Oct 29, 2026MLS #W7890517
About this home
4405 FLORAMAR TERRACE
Virtually Staged. Welcome to your ultimate waterfront paradise in the highly sought-after Gulf Harbors community! This beautifully updated 3-bedroom, 2-full-bath home sits on a wide, deep-water channel offering direct, unrestricted Gulf access. Move right in and enjoy total peace of mind with a NEW ROOF & AC system, stunning new porcelain tile flooring throughout, and a bright open-floorplan kitchen complete with granite countertops, a breakfast bar, and appliances. The exterior has been freshly painted, as well as the garage floor. Step through the screened front entry porch into a light-filled living space, or head to the bedrooms where individual mini-split AC units provide maximum energy efficiency and personalized climate control. The back bedroom or office/sitting room, features elegant French entry doors, while providing waterfront covered deck access via sliding doors onto an over-the-seawall deck extension, framing spectacular wide water views from inside the home. Below decking is the perfect spot to place a spa if desired, where a previous spa was removed. Boaters will fall in love with the private dock equipped with a 10,000 lb boat lift, making a day out on the Gulf an absolute breeze. Another great feature is the custom-made Flow Stop Flood Barriers, included in the sale. Take a short ride to Anclote Island directly west via the North Channel or hang at the sand bar, commonly referred to as “the Bahamas in our backyard”. The members-only private Gulf Harbors Beach Club is a rare find, and one of the only on the west coast! Home is complete with a convenient carport and an attached compact car/golf cart garage, this coastal gem perfectly captures the Florida lifestyle. Located near shopping, banks, restaurants and only 45 minutes to Tampa International Airport. Schedule your private tour today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,445
Sqft
0.09 ac
Lot size
1
Garage
1961
Year built
One
Levels
$345
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.
$4,271 /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
$4,271/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
+69.7%
$/sqft vs New Port Richey actives
$345 vs $193
Days on market
9 vs 66 typical
Where $345/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 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)
235 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 164% 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 4405 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 · Aug ’26$219,000
4432 TIDAL POND ROAD
3 bd · 2 ba · 1,464 sqft · $150/sqft · 27 DOM
Sold · May ’26$190,999
5109 TILSON DRIVE
3 bd · 2 ba · 1,514 sqft · $126/sqft · 19 DOM
Sold · Dec ’25$180,000
4243 STRATFIELD DRIVE
2 bd · 2 ba · 1,519 sqft · $118/sqft · 69 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 4405 FLORAMAR TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4405 FLORAMAR TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4405 FLORAMAR TERRACE FAQs
What would the monthly payment be for 4405 FLORAMAR TERRACE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,271/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 4405 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 4405 FLORAMAR TERRACE?+
The most recent tax bill on record (2025) was $5,452. 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 4405 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 $499,000, this home is listed about 78% 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 4405 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 #W7890517.
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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