4462 RUDDER WAY, NEW PORT RICHEY, FL, 34652
Active123 days on marketListed Apr 9, 2026MLS #L4960907
About this home
4462 RUDDER WAY
Live the Florida lifestyle in the highly sought-after waterfront community of Gulf Harbors—a private beach community located directly on the Gulf of Mexico. Residents also enjoy a brand-new walking, jogging, and pet-friendly park, along with the unique charm of a true boating and golf cart community. This home offers a 3 year old roof , newer a/c and an inviting open floor plan featuring a spacious living room that flows into the dining area and kitchen. The cozy family room overlooks a covered screened patio, conservation lot, no rear neighbors, and a white vinyl privacy fence for added privacy. The home includes 2 generous bedrooms, 1 full bath with a walk-in shower, 1 half bath, and a 1-car garage. Features include a screened patio, outdoor sitting area, and spacious yard. Minimal annual fee provides access to a private beach. Perfect for year-round living or a seasonal retreat. Nestled in a prime location, Gulf Harbors is just minutes from historic downtown New Port Richey, where you’ll find concerts at Sims Park, local restaurants, microbreweries, cafés, and the Richey Suncoast Theatre. Conveniently close to beaches, state parks, theme parks, and major sports venues.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,104
Sqft
0.12 ac
Lot size
1
Garage
1973
Year built
One
Levels
$272
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 — not generic estimates.
$2,345 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$2,345/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.
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
+24.9%
$/sqft vs FLOR A MAR
$272 vs $385
Days on market
123 vs 50 typical
Where $272/sqft sits among the 63 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
2,712
Median age
56
Median income
$96,857
Median home value
$435,193
Avg household
2
Households w/ children
136
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
$280K → $260K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
37 of 63
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 33% 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 4462 RUDDER WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$280,000
5033 BLUE HERON DRIVE · same community
2 bd · 1 ba · 1,071 sqft · $261/sqft · 59 DOM
Sold · Dec ’25$166,088
4527 FLORAMAR TERRACE · same community
2 bd · 1 ba · 1,040 sqft · $160/sqft · 36 DOM
Sold · Jun ’26$295,000
4848 SHELL STREAM BOULEVARD · same community
3 bd · 2 ba · 1,264 sqft · $233/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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4462 RUDDER WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4462 RUDDER WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4462 RUDDER WAY FAQs
What would the monthly payment be for 4462 RUDDER WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,345/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 4462 RUDDER WAY?+
The most recent tax bill on record (2026) was $3,446. 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 4462 RUDDER WAY?+
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 $299,900, this home is listed about 7% above the New Port Richey median of $280,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4462 RUDDER WAY?+
Gulf High School (high), Gulf Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$299,900 runs 33% above the NEW PORT RICHEY 34652 median.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
123 days on market against a New Port Richey median of 50 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $349,900, now $299,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Chad Karr. MLS #L4960907.
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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