25 HARBORPOINTE DRIVE, PORT RICHEY, FL, 34668
Active138 days on marketListed Mar 9, 2026MLS #TB8482706
About this home
25 HARBORPOINTE DRIVE
Under Construction. Exceptional and rare opportunity to own this extraordinary contemporary waterfront estate directly on the Gulf of America. Secure the home prior to completion and collaborate on select finishes to personalize the final details of your dream coastal retreat. Located within the exclusive, separately gated enclave of Harborpointe inside the 24-hour guard-gated community of Sand Pebble Point in Port Richey, this architectural showpiece is thoughtfully designed to the highest coastal standards, offering both refined luxury and long-term durability. The residence features expansive 4,243 heated square feet over 2 living levels with open-concept living and dining areas anchored by a large designer kitchen with premium finishes and generous workspace, ideal for entertaining while enjoying unobstructed Gulf views. A private three-stop elevator provides effortless access to all levels. Every element has been curated to deliver a modern yet timeless aesthetic — clean lines, refined textures, and bright, airy interiors designed to maximize natural light throughout this five-bedroom, five-bathroom home. The primary suite serves as a serene waterfront retreat, complete with a spacious spa-inspired master bath. An expansive seven-car garage accommodates collectors and elevated lifestyle needs alike. Elevated construction enhances both panoramic views and peace of mind, with the pool strategically positioned on the second-level terrace to maximize sweeping vistas while offering added protection. An assigned private boat slip provides immediate access to open water, completing this unparalleled waterfront opportunity in one of Port Richey’s most prestigious gated communities.
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
4,243
Sqft
0.4 ac
Lot size
7
Garage
2027
Year built
Three Or More
Levels
$990
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 and the real association fee — not generic estimates.
$25,540 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$25,540/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Port Richey actives
$990 vs $191
Days on market
138 vs 38 typical
Where $990/sqft sits among the 336 Port Richey actives
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 Harborpointe
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Richey. See the full Port Richey guide →
Harborpointe — neighborhood snapshot
Population
950
Median age
51
Median income
$72,941
Median home value
$305,200
Avg household
2
Households w/ children
109
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
$250K → $237K
Port Richey median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
186 of 336
Port Richey actives have cut their price
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1613% 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 25 HARBORPOINTE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$1,450,000
8731 BETTY STREET
5 bd · 4 ba · 4,608 sqft · $315/sqft · 262 DOM
Sold · Jan ’26$975,000
7638 DEEDRA CIRCLE
5 bd · 3.5 ba · 4,640 sqft · $210/sqft · 117 DOM
Sold · Sep ’25$990,000
7049 PENINSULAR DRIVE
5 bd · 3 ba · 3,372 sqft · $294/sqft · 140 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 25 HARBORPOINTE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 25 HARBORPOINTE 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
25 HARBORPOINTE DRIVE FAQs
What would the monthly payment be for 25 HARBORPOINTE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $25,540/mo — principal and interest, the actual property-tax bill, the $275/mo association fee 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.
How much are the HOA fees at 25 HARBORPOINTE DRIVE?+
The association fee works out to $275 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 25 HARBORPOINTE DRIVE?+
The most recent tax bill on record (2025) was $10,402. 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 25 HARBORPOINTE DRIVE?+
The listing reports pets: No. 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 $4,200,000, this home is listed about 1522% above the Port Richey median of $259,000. The market section on this page shows how the area is trending.
Which schools are assigned to 25 HARBORPOINTE DRIVE?+
Richey Elementary School (elementary), Chasco Middle School (middle), Gulf High School (high) — 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
$4,200,000 runs 1613% above the PORT RICHEY 34668 median — but at 4,243 sqft it's also nearly 3 times the size of 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
138 days on market against a Port Richey median of 38 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Manny Baginski. MLS #TB8482706.
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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