David Ramirez
$495,000$499,0003 bd2 ba1,575 sqft$314 /sqft$3,302 /mo all-in ↓

8601 OLD POST ROAD, PORT RICHEY, FL, 34668

Active125 days on marketListed Mar 21, 2026MLS #TB8485583

Reduced $4KWaterfrontSingle Family ResidenceMARTHAS VINEYARD

Come see it

Upcoming open house

Sat, Jul 25

10:00 AM – 1:00 PM

About this home

8601 OLD POST ROAD

DIRECT GULF ACCESS, NO FIXED BRIDGES, 10,000 LB BOAT LIFT, ASSUMABLE VA MORTGAGE, AND STUNNING SUNSET VIEWS! Welcome to this exceptional waterfront home in one of Port Richey's most desirable boating communities. Built in 2003 and perfectly positioned on a deep-water canal with DIRECT ACCESS TO THE GULF, this move-in-ready property offers the ultimate Florida waterfront lifestyle with the ability to boat, fish, kayak, or cruise to waterfront restaurants right from your backyard. Designed for both comfort and entertaining, this spacious two-story home features an OPEN-CONCEPT FLOOR PLAN filled with natural light and beautiful water views throughout. The kitchen is equipped with GRANITE COUNTERTOPS and flows seamlessly into the main living areas, while UPDATED BAMBOO FLOORING adds warmth and character throughout the home. The primary suite serves as a private retreat, featuring its own waterfront lanai, two closets including a large WALK-IN CLOSET, and peaceful views of the backyard and canal. Whether enjoying your morning coffee or winding down after a day on the water, this space was designed to embrace the coastal lifestyle. Boaters will appreciate the STATIONARY DOCK WITH WATER AND ELECTRIC, FLOATING DOCK, and 10,000 LB BOAT LIFT, providing quick and convenient access to the Gulf with NO FIXED BRIDGES. The west-facing backyard offers breathtaking Florida sunsets and is fully fenced, making it perfect for pets, gatherings, and outdoor enjoyment. Step outside onto the OVERSIZED COMPOSITE WATERFRONT DECK, recently upgraded for years of low-maintenance enjoyment. Complete with a TIKI BAR featuring electric and running water, this outdoor space is ideal for entertaining family and friends while enjoying panoramic water views and unforgettable sunsets. Major improvements include a NEW ROOF (2024) and NEW HVAC SYSTEM (2025), providing peace of mind for years to come. Additional features include a HUGE 21' x 30' GARAGE, a SEPARATE STORAGE GARAGE, and ample space for all your boating, fishing, and outdoor equipment. An added bonus is the ASSUMABLE VA MORTGAGE with an approximate balance of $150,000 at just 2.75% interest (subject to lender approval), offering a unique financing opportunity for qualified buyers. The current flood insurance policy through Progressive is approximately 722 annually. Conveniently located near US-19, shopping, dining, marinas, parks, and local entertainment, this home offers the perfect balance of waterfront privacy and everyday convenience. The seller has already moved out, making this home VACANT, MOVE-IN READY, and waiting for its new owner. If you've been searching for a true Gulf-access property with modern updates, exceptional outdoor living, and direct boating access, this is the one you've been waiting for. Schedule your private showing today and experience Florida waterfront living at its finest.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,575

Sqft

0.14 ac

Lot size

4

Garage

2003

Year built

One

Levels

$314

Per sqft

Waterfront

Inside

FlooringBamboo · Carpet · Tile
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · Solid Surface Counters · Stone Counters
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco · Wood Frame
FoundationSlab
FacesEast
ExteriorBalcony · Outdoor Kitchen · Storage

Community & fees

Taxes (2025)$114/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Street Lights
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,302 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,914
FHA mortgage insurance (est.)$219
Property tax — 2025 actual bill$10
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,325Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,325
Interest rate6.00%
Loan term

Estimated payment

$3,302/mo

Principal & interest$2,914
FHA mortgage insurance (est.)$219
Property taxes (actual bill)$10
Est. insurance$160

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.

List $495K
$210KedgeAI estimate $357,437 · range $219K$558K$581K

vs edgeAI estimate

+38.5%

$/sqft vs MARTHAS VINEYARD

$314 vs $275

Days on market

125 vs 38 typical

Where $314/sqft sits among the 9 homes for sale in MARTHAS VINEYARD

3
3
2 · this home
0
0
1
$208–247$247–286$286–326$326–365$365–404$404+

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 Martha's Vineyard

Map of 8601 OLD POST ROAD inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)52 min
Downtown Tampa56 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Port Richey. See the full Port Richey guide →

Martha's Vineyard — neighborhood snapshot

Population

987

Median age

51

Median income

$72,941

Median home value

$305,200

Avg household

2

Households w/ children

112

For the school run

Pasco County School District

ElementaryRichey Elementary School★★★★★
MiddleChasco Middle School★★★★
HighGulf High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Port Richey market

Seller’s marketBalanced5.3 months of inventoryBuyer’s market

$250K$237K

Port Richey median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

7 of 9

MARTHAS VINEYARD have cut their price

Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 102% above the PORT RICHEY 34668 median. See the full Port Richey market guide →

Paper trail

This home's history

CurrentPrice reduced to $495,000 $4K
Mar 21, 2026Listed at $499,000 · 125 days on market since
2003Built · MARTHAS VINEYARD

Reality check

What actually sold near 8601 OLD POST ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5435 QUIST DRIVESold · Oct ’25

$215,000

5435 QUIST DRIVE · same community

3 bd · 2 ba · 1,685 sqft · $128/sqft · 75 DOM

8510 GREEN STREETSold · Jul ’26

$335,000

8510 GREEN STREET · same community

2 bd · 2.5 ba · 1,402 sqft · $239/sqft · 59 DOM

5420 BAY BOULEVARDSold · Jan ’26

$385,000

5420 BAY BOULEVARD · same community

3 bd · 2 ba · 1,364 sqft · $282/sqft · 144 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 8601 OLD POST ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 8601 OLD POST 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.

Goes straight to David’s phone and CRM.

Straight answers

8601 OLD POST ROAD FAQs

What would the monthly payment be for 8601 OLD POST ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,302/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 8601 OLD POST ROAD?+

The most recent tax bill on record (2025) was $114. 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 Port Richey?+

At $495,000, this home is listed about 91% 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 8601 OLD POST ROAD?+

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

Four things that matter here

01Positioned at the premium end

$495,000 runs 102% above the PORT RICHEY 34668 median — but at 1,575 sqft it's also 19% 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

125 days on market against a Port Richey median of 38 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $499,000, now $495,000 — a $4K cut. The full history is in the market section below.

Listing courtesy of HOMAN REALTY GROUP INC · Thomas "TJ" Homan, Jr. MLS #TB8485583.

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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