9816 SAN SEBASTIAN WAY, PORT RICHEY, FL, 34668
Active165 days on marketListed Feb 28, 2026MLS #TB8481444
About this home
9816 SAN SEBASTIAN WAY
***Price Improvement*** Wake up, step outside, and enjoy true waterfront living. This beautifully remodeled 2 bedroom, 2 bath home offers 1,762 square feet on a canal with direct Gulf access and **no HOA**. Designed for comfortable Florida living, it features two true master en suites, each with a private bath, making it ideal for guests or multi generational living. The home's fresh coastal paint, tile roof, paver walkway, and mature Florida landscaping create exceptional curb appeal. Fully restored after Hurricane Helene with no deferred maintenance, this home is truly move in ready. Added bonus **transferable flood insurance policy** offers additional value and potential savings. The backyard is a private oasis featuring an oversized screened pool, custom paver lanai, extended patio, dual gated vinyl privacy fence, raised garden, and storage sheds. Inside, you'll find tile flooring throughout, real wood trim, solar reflective window tint, smart thermostat and lighting, and a beautifully updated kitchen with solid wood soft close cabinets, quartzite countertops, an oversized island, stainless appliances, and a high end induction range. The spacious family room with a wood burning stone fireplace opens through triple sliders to the pool and canal, creating the perfect indoor outdoor living space. An updated electrical panel, new 50 gallon water heater, and new LG washer and dryer complete the package. Waterfront. Fully upgraded. Direct Gulf access. No deferred maintenance. This is Florida living at its finest.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,762
Sqft
0.22 ac
Lot size
2
Garage
1980
Year built
One
Levels
$244
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.
$3,099 /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
$3,099/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
+8%
$/sqft vs WEST PORT SUB
$244 vs $199
Days on market
165 vs 41 typical
Where $244/sqft sits among the 17 homes for sale in WEST PORT SUB
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 Port Richey
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Richey. See the full Port Richey guide →
PORT RICHEY 34668 — neighborhood snapshot
Population
48,025
Median age
42.2
Median income
$45,760
Median home value
$168,800
Avg household
2.32
Households w/ children
5,000
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Richey market
$229K → $229K
Port Richey median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
9 of 17
WEST PORT SUB have cut their price
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 77% above the PORT RICHEY 34668 median. See the full Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 9816 SAN SEBASTIAN WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$478,000
9930 SAN DIEGO WAY · same community
3 bd · 3 ba · 1,708 sqft · $280/sqft · 200 DOM
Sold · Sep ’25$320,000
9830 SAN SIERRA WAY · same community
4 bd · 2 ba · 1,884 sqft · $170/sqft · 49 DOM
Sold · Jun ’26$395,000
9903 SAN MATEO WAY · same community
3 bd · 2 ba · 1,884 sqft · $210/sqft · 42 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 9816 SAN SEBASTIAN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9816 SAN SEBASTIAN 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
9816 SAN SEBASTIAN WAY FAQs
What would the monthly payment be for 9816 SAN SEBASTIAN WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,099/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 9816 SAN SEBASTIAN WAY?+
The most recent tax bill on record (2025) was $2,622. 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 9816 SAN SEBASTIAN WAY?+
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 Port Richey?+
At $429,900, this home is listed about 67% above the Port Richey median of $257,100. The market section on this page shows how the area is trending.
Which schools are assigned to 9816 SAN SEBASTIAN WAY?+
Richey Elementary School (elementary), Gulf Middle School (middle), Gulf High School (high) — 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
$429,900 runs 77% above the PORT RICHEY 34668 median — but at 1,762 sqft it's also 31% larger than the typical Port Richey listing.
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
165 days on market against a Port Richey median of 41 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $464,000, now $429,900 — a $34K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BAY REALTY OF FLORIDA · Heather Sidlauskas. MLS #TB8481444.
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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