10932 UNION DRIVE, PORT RICHEY, FL, 34668
Active138 days on marketListed Mar 17, 2026MLS #TB8487355
About this home
10932 UNION DRIVE
SELLER FINANCING with reasonable terms to fit your budget for this ABSOLUTELY STUNNING & TURN-KEY property! Welcome home to this meticulously updated residence at 10932 Union Dr, nestled in the highly sought-after, gated 55+ cooperative of Senate Manor. This is Florida living at its absolute finest! Step inside to discover a bright and airy OPEN FLOOR PLAN that radiates a "brand new" feel. This home has been thoughtfully renovated with modern living in mind, featuring gorgeous luxury vinyl plank (LVP) flooring throughout for a seamless look. The heart of the home is the fully renovated kitchen boasting crisp cabinetry, stylish countertops perfect for whipping up a meal before heading to the pool or a community event! The spacious floor plan includes a versatile Florida Room that easily serves as a den, hobby room, or guest retreat. The primary suite is a peaceful sanctuary, complemented by a beautifully updated bathroom featuring a modern vanity and a spacious low step-in shower. Some of the exterior highlights are the covered carport parking with rain gutters and has durable skirting to keep your home pristine. It also has a large storage shed/workshop with laundry hookups. The community has some perks too like a low $200/MONTH HOA FEE, you get it all! The fee covers water, sewer, lawn care, and twice-weekly trash/recycling. Enjoy world-class amenities including a heated pool & spa, fitness center, shuffleboard, and a vibrant clubhouse with a full social calendar of Bingo, potlucks, and Taco Tuesdays! There is even optional on-site storage for your boat or RV for an additional fee. Located just minutes from pristine Gulf beaches, premier shopping, and dining, this home is MOVE-IN READY and waiting for you. Whether you’re looking for a seasonal escape or a forever home, this Senate Manor gem is a MUST-SEE! SCHEDULE YOUR SHOWING TODAY!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,180
Sqft
0.09 ac
Lot size
1975
Year built
One
Levels
$111
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.
$1,273 /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
$1,273/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.
$/sqft vs SENATE MANOR UNREC
$111 vs $107
Days on market
138 vs 38 typical
Where $111/sqft sits among the 6 homes for sale in SENATE MANOR UNREC
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 Senate Manor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Richey. See the full Port Richey guide →
Senate Manor — neighborhood snapshot
Population
604
Median age
38
Median income
$53,750
Median home value
$72,700
Avg household
2
Households w/ children
89%
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)
4 of 6
SENATE MANOR UNREC have cut their price
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% below the PORT RICHEY 34668 median. See the full Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 10932 UNION DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$110,000
6528 ROOSEVELT DRIVE · same community
2 bd · 2 ba · 1,232 sqft · $89/sqft · 128 DOM
Sold · Jun ’26$48,500
10909 FREEDOM DRIVE · same community
2 bd · 1.5 ba · 726 sqft · $67/sqft · 223 DOM
Sold · Aug ’25$225,000
7020 IVANHOE DRIVE
3 bd · 2 ba · 1,190 sqft · $189/sqft · 5 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 10932 UNION DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10932 UNION 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
10932 UNION DRIVE FAQs
What would the monthly payment be for 10932 UNION DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,273/mo — principal and interest, the actual property-tax bill, the $200/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 10932 UNION DRIVE?+
The association fee works out to $200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10932 UNION DRIVE?+
The most recent tax bill on record (2025) was $1,028. 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 10932 UNION 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 $130,800, this home is listed about 49% below the Port Richey median of $259,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10932 UNION DRIVE?+
Gulf Highlands Elementary School (elementary), Bayonet Point Middle School (middle), Fivay 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
01Under the PORT RICHEY 34668 market on paper
$130,800 is 47% below the PORT RICHEY 34668 median of $247,425, and at $111/sqft it sits under the Port Richey average of $205.
02Time on market is leverage
138 days on market against a Port Richey median of 38 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $132,800, now $130,800 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COPELAND MORGAN LLC · Douglas Crenshaw. MLS #TB8487355.
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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