3645 GRAYTON DRIVE, NEW PORT RICHEY, FL, 34652
Active12 days on marketListed Oct 26, 2026MLS #W7890634
About this home
3645 GRAYTON DRIVE
Saline Lake views, natural surroundings, and the opportunity to create your own Florida retreat! Situated in Beacon Square, this approximately 0.21-acre waterfront homesite offers a scenic backdrop for your future home. Enjoy beautiful sunsets and a natural landscape that captures the charm of Florida’s Gulf Coast. A previous residence occupied the property, and public water and sewer are available. No mandatory HOA or CDD fees, with optional membership available at the Beacon Square community pool and clubhouse. Nearby historic downtown New Port Richey offers restaurants, cafés, shops, and the riverfront setting of Sims Park along the Pithlachascotee River. Enjoy downtown events, outdoor entertainment, and leisurely afternoons exploring Main Street. The nearby Gulf Coast adds opportunities for fishing, boating, waterside dining and memorable sunsets. Bring your vision and explore the possibilities of this waterfront location! A prior survey and elevation certificate are available for review. Buyers should verify existing utility connections and any applicable impact fee credits.
Facts & features
The home at a glance
0.21 ac
Lot size
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 — not generic estimates.
$591 /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
$591/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.
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 34652 — neighborhood snapshot
Population
27,444
Median age
49.5
Median income
$56,931
Median home value
$222,600
Avg household
2.25
Households w/ children
2,382
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)
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 74% below 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 3645 GRAYTON DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$175,000
3552 WESTCHESTER DRIVE · same community
2 bd · 1.5 ba · 848 sqft · $206/sqft · 5 DOM
Sold · Apr ’26$193,000
4037 GRAYTON DRIVE · same community
2 bd · 2 ba · 900 sqft · $214/sqft · 18 DOM
Sold · Mar ’26$232,000
3704 OAKHURST DRIVE · same community
2 bd · 1.5 ba · 970 sqft · $239/sqft · 145 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 3645 GRAYTON DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3645 GRAYTON DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3645 GRAYTON DRIVE FAQs
What would the monthly payment be for 3645 GRAYTON DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $591/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 3645 GRAYTON DRIVE?+
The most recent tax bill on record (2025) was $881. 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 3645 GRAYTON DRIVE?+
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 $48,900, this home is listed about 83% below 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 3645 GRAYTON DRIVE?+
Anclote Elementary School (elementary), Gulf Middle School (middle), Anclote High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of NEXTHOME CABANAS REALTY · Dawn Melancon. MLS #W7890634.
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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