9900 ISLAND HARBOR DRIVE, PORT RICHEY, FL, 34668
Active143 days on marketListed Mar 21, 2026MLS #TB8487509
About this home
9900 ISLAND HARBOR DRIVE
Short Sale. Unlock the potential of this waterfront property and create your own slice of Florida paradise. This home experienced hurricane and flood damage and requires a full interior renovation, with the dock and deck also damaged and not currently safe for use. For the right buyer, however, this presents an incredible opportunity to transform a waterfront home into something truly special. Situated in a highly desirable location with direct access to the Gulf of Mexico and no bridges, this property is a dream for boating enthusiasts. Enjoy quick and easy access to open water—perfect for fishing, kayaking, island hopping, or simply taking in breathtaking sunset views. Just minutes from the Gulf, you’ll experience the very best of Florida’s coastal lifestyle. Previously a charming waterfront residence, this home is ready for a new vision. Buyers are encouraged to review photos from the prior listing to fully appreciate the property’s potential and imagine the possibilities for restoration and customization. Located in Port Richey along Florida’s scenic Nature Coast, you’ll enjoy convenient access to waterfront dining, marinas, and a relaxed coastal atmosphere, all while being within a short drive to Tampa, Clearwater, and beautiful Gulf beaches. Whether you’re searching for a primary residence, vacation getaway, or investment opportunity, this property offers unmatched potential in a prime waterfront setting. Bring your vision and make this coastal retreat your own.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,024
Sqft
0.16 ac
Lot size
2
Garage
1975
Year built
One
Levels
$146
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.
$2,565 /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
$2,565/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
−4.1%
$/sqft vs Port Richey actives
$146 vs $190
Days on market
143 vs 40 typical
Where $146/sqft sits among the 327 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 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)
175 of 327
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 22% 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 9900 ISLAND HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$320,000
7233 VIENNA LANE
4 bd · 3 ba · 2,054 sqft · $156/sqft · 31 DOM
Sold · Jan ’26$310,000
7201 MAPLEHURST DRIVE
3 bd · 2 ba · 1,980 sqft · $157/sqft · 3 DOM
Sold · Apr ’26$259,000
9004 LIDO LANE
3 bd · 2 ba · 1,737 sqft · $149/sqft · 4 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 9900 ISLAND HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9900 ISLAND HARBOR 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
9900 ISLAND HARBOR DRIVE FAQs
What would the monthly payment be for 9900 ISLAND HARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,565/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 9900 ISLAND HARBOR DRIVE?+
The most recent tax bill on record (2025) was $6,460. 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 $295,000, this home is listed about 15% above the Port Richey median of $257,550. The market section on this page shows how the area is trending.
Which schools are assigned to 9900 ISLAND HARBOR DRIVE?+
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
Three things that matter here
01Positioned at the premium end
$295,000 runs 22% above the PORT RICHEY 34668 median — but at 2,024 sqft it's also 51% 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
143 days on market against a Port Richey median of 40 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Brandon Rimes. MLS #TB8487509.
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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