4368 SUNRAY DRIVE, HOLIDAY, FL, 34691
Active373 days on marketListed Jul 15, 2025MLS #TB8402802
About this home
4368 SUNRAY DRIVE
Dreaming of the perfect waterfront escape? I found a beautiful corner lot in Aloha Gardens that feels like paradise! This meticulously maintained waterfront corner lot presents an exceptional opportunity for realization of its full potential. Whether you are a builder seeking your next venture or an individual in search of the ideal location to construct your dream home, Aloha Gardens offers a serene environment perfect for establishing roots. Imagine waking up and soaking in the Florida sunshine. This place is not just about land; it’s about making memories and building YOUR home. It’s the perfect spot to settle down. Let’s make this dream a reality! This waterfront property boasts the tranquility of Conley Lake, which connects to Holiday Lake, providing stunning views, opportunities for outdoor enjoyment, and some good ole fishing. It’s an ideal setting to begin and conclude your days while basking in the vibrant Florida lifestyle. Aloha Gardens is characterized by its peaceful atmosphere, devoid of any homeowners' association, and recently enhanced with newly installed sidewalks. Residents have not encountered any flooding issues, ensuring a secure living experience. Conveniently situated near parks, beaches, restaurants, shopping centers, and the myriad attractions that Florida has to provide, this location is truly desirable. With land becoming increasingly scarce, now is the perfect moment to seize this opportunity. Let’s make this property yours!
Facts & features
The home at a glance
0.13 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.
$783 /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
$783/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.
Where it sits
Inside Holiday
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Holiday. See the full Holiday guide →
HOLIDAY 34691 — neighborhood snapshot
Population
20,072
Median age
46.3
Median income
$48,387
Median home value
$172,100
Avg household
2.13
Households w/ children
1,689
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Holiday market
$236K → $230K
Holiday median sold, yr/yr
96.1%
Sale-to-list ratio (12 mo)
Median sold price, Holiday, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 61% below the HOLIDAY 34691 median. See the full Holiday market guide →
Paper trail
This home's history
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 4368 SUNRAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4368 SUNRAY DRIVE — 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
4368 SUNRAY DRIVE FAQs
What would the monthly payment be for 4368 SUNRAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $783/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 4368 SUNRAY DRIVE?+
The most recent tax bill on record (2024) was $718. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Holiday?+
At $89,000, this home is listed about 64% below the Holiday median of $245,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4368 SUNRAY DRIVE?+
Anclote High School (high), Paul R. Smith 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
01Under the HOLIDAY 34691 market on paper
$89,000 is 61% below the HOLIDAY 34691 median of $229,450.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
373 days on market against a Holiday median of 37 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $99,000, now $89,000 — a $10K cut. The full history is in the market section below.
Listing courtesy of CHARLES RUTENBERG REALTY INC · Kaylynn Ryan. MLS #TB8402802.
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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