12832 MOUNTAIN ROAD, NEW PORT RICHEY, FL, 34654
Active165 days on marketListed Feb 25, 2026MLS #TB8480537
About this home
12832 MOUNTAIN ROAD
$45,000 PRICE REDUCTION! Discover the perfect blend of comfort, modern updates, and serene living in this charming one-story 3-bedroom, 2-bathroom home at 12832 Mountain Rd, New Port Richey, FL 34654, nestled in the peaceful Moon Lake Estates area. Step inside to find beautiful wood-look laminate flooring flowing throughout the entire home, creating a warm and cohesive feel. The updated kitchen shines with sleek white shaker cabinets, durable granite countertops, and stainless steel appliances—ideal for everyday meals or entertaining. An open living room and dining room floor plan offers seamless flow and plenty of natural light, while both fully updated bathrooms provide contemporary style and convenience. Outside, a detached 1-car garage adds practical storage or parking space, and the property boasts no HOA or CDD fees for true low-maintenance freedom and flexibility. Moon Lake Estates offers a quiet, rural vibe with a sense of space and privacy, perfect for those seeking a relaxed lifestyle close to nature yet convenient to everyday amenities. Just minutes away, explore nearby attractions within 20 miles, including the expansive Jay B. Starkey Wilderness Park for hiking, biking, and camping amid thousands of acres of preserved wilderness. Enjoy kayaking or paddleboarding on the scenic Pithlachascotee (Cotee) River, or head to Sims Park in downtown New Port Richey for waterfront walks, events at the amphitheater, and family-friendly splash pads. Nature enthusiasts will love Anclote Key Preserve State Park and Key Vista Nature Park for trails and Gulf views, while Werner-Boyce Salt Springs State Park offers coastal exploration. For beach days, Clearwater Beach is an easy drive (around 20 miles), and vibrant nearby spots like Tarpon Springs provide sponge docks, Greek cuisine, and manatee tours. This home delivers affordable, updated living in a tranquil setting with easy access to Florida's best outdoor adventures and coastal charm! Vacant lot to left of home is a different owner and not included.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,176
Sqft
0.18 ac
Lot size
1
Garage
1985
Year built
One
Levels
$179
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.
$1,781 /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
$1,781/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
−15.7%
$/sqft vs MOON LAKE ESTATES
$179 vs $173
Days on market
165 vs 50 typical
Where $179/sqft sits among the 34 homes for sale in MOON LAKE ESTATES
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 Moon Lake Estates
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 →
Moon Lake Estates — neighborhood snapshot
Population
4,451
Median age
37
Median income
$43,791
Median home value
$31,361
Avg household
3
Households w/ children
385
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)
18 of 34
MOON LAKE ESTATES have cut their price
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% above the NEW PORT RICHEY 34654 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 12832 MOUNTAIN ROAD
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$208,000
12832 OCASTA AVENUE · same community
3 bd · 2 ba · 1,188 sqft · $175/sqft · 48 DOM
Sold · Jun ’26$265,000
10113 HUNTLEY STREET · same community
3 bd · 2 ba · 1,200 sqft · $221/sqft · 438 DOM
Sold · Jun ’26$289,000
10271 LAKE DRIVE · same community
3 bd · 2 ba · 1,200 sqft · $241/sqft · 149 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 12832 MOUNTAIN ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12832 MOUNTAIN ROAD — 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
12832 MOUNTAIN ROAD FAQs
What would the monthly payment be for 12832 MOUNTAIN ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,781/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 12832 MOUNTAIN ROAD?+
The most recent tax bill on record (2025) was $3,506. 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 12832 MOUNTAIN ROAD?+
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 $210,000, this home is listed about 25% below 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 12832 MOUNTAIN ROAD?+
River Ridge Middle School (middle), Cypress Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$210,000 runs 17% above the NEW PORT RICHEY 34654 median.
02Time on market is leverage
165 days on market against a New Port Richey median of 50 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $255,000, now $210,000 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TAMPA BAY PREMIER REALTY · Don Suda. MLS #TB8480537.
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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