David Ramirez
$1,099,0003 bd3 ba1,837 sqft$598 /sqft$6,988 /mo all-in ↓

5101 SOUTH SHORE DRIVE, NEW PORT RICHEY, FL, 34652

Active107 days on marketListed May 1, 2026MLS #TB8499931

WaterfrontPrivate poolSingle Family ResidenceFLOR A MAR

About this home

5101 SOUTH SHORE DRIVE

Virtually Staged. If you’ve been searching for a Gulf access home in Florida with a pool, boat lift, and direct water access… this is the one that checks every box. Welcome to 5101 South Shore Drive. This elevated 3-bedroom, 3-bathroom waterfront home with direct Gulf access is perfectly positioned on a deep and wide saltwater canal in the highly desirable Gulf Harbors community of New Port Richey, Florida with breathtaking sunset views right in your back yard. Your entire first level is dedicated to a spacious two-car garage, a full bathroom, and an oversized flex space—ideal for a home gym, media room, office, or additional entertaining area. Upstairs, the main living area opens up with soaring vaulted ceilings, an open floorplan and lots of natural light. The true showstopper is the beautifully designed kitchen featuring a extra long quartz waterfall island, five-burner cooktop, drawer microwave, Samsung refrigerator, pull-out pantry with deep drawers, under-cabinet lighting, and a reverse osmosis water system. A cozy wood-burning fireplace with updated modern tile dressed to the ceiling in the living room completes the modern design. With all tile floor throughout the upper level. The primary suite is a true retreat, offering a private covered deck that extends to the width of the home, overlooking the canal, pool, and dock, delivering the kind of peaceful waterfront views buyers are searching for in a Florida Gulf access home. There's plenty of storage space, with his and her closets, a linen closet, and an attached primary ensuite with elegant floating vanities, rainfall walk in updated shower, and a sleek frameless glass shower door. Built with comfort and peace of mind in mind, the home includes impact-rated dual-pane windows engineered for high winds, a smart thermostat, and automatic blackout blinds in the primary, blending efficiency with convenience. The home also has a split floorplan with the other two bedrooms sharing the hall bath, and easy laundry access on the living level. This floor also features an office, that is currently being used as an additional closet, and a formal dining room. Step outside and you’ll find your own backyard oasis—complete with a heated saltwater pool with sun shelf, custom lighting, paver decking, and low-maintenance PVC dock. For boating enthusiasts, the private boat lift and floating dock provide direct access to the Gulf, making it easy to enjoy days on the water in mere moments! Located in the waterfront community of Gulf Harbors, residents have the OPTION to join the HOA for just $125 annually and gain access to a private beach club on the Gulf for only $200 per year, featuring cabanas, grills, and some of the best sunset views on Florida’s west coast. With golf cart-friendly streets and a full calendar of local events, this neighborhood offers both lifestyle and value. Whether you’re looking for a primary residence, second home, or waterfront investment property with Gulf access, this home delivers the features, location, and the modern lifestyle that define Florida coastal living.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

1,837

Sqft

0.19 ac

Lot size

2

Garage

2001

Year built

Two

Levels

$598

Per sqft

Private poolWaterfrontFireplacePool & Water viewPets allowed

Inside

FlooringEpoxy · Tile
AppliancesCooktop · Dishwasher · Dryer · Kitchen Reverse Osmosis System · Microwave · Refrigerator · Washer
InteriorCoffered Ceiling(s) · Open Floorplan · PrimaryBedroom Upstairs · Thermostat · Vaulted Ceiling(s)
LaundryInside · Upper Level
CoolingCentral Air
HeatingElectric

Outside & construction

RoofTile
ConstructionStucco · Wood Frame
FoundationSlab
ViewPool · Water
FacesEast
ExteriorBalcony · Lighting · Sliding Doors

Community & fees

HOA fee$10/mo
Taxes (2025)$5,711/yr
PetsYes
CommunityCommunity Boat Ramp · Gulf/Ocean Front · Water Access · Waterfront · Clubhouse · Deed Restrictions · Golf Carts OK · Park

Utilities & systems

UtilitiesElectricity Available · Water Available
WaterPublic

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.

$6,988 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,930
PMI (est., until 20% equity)$412
Property tax — 2025 actual bill$476
HOA fee — from the listing$10
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $109,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $109,900
Interest rate6.00%
Loan term

Estimated payment

$6,988/mo

Principal & interest$5,930
PMI (est., until 20% equity)$412
Property taxes (actual bill)$476
HOA / condo fee$10
Est. insurance$160

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.

List $1.1M
$591KedgeAI estimate $803,283 · range $615K$953K$1.1M

vs edgeAI estimate

+36.8%

$/sqft vs FLOR A MAR

$598 vs $384

Days on market

107 vs 52 typical

Where $598/sqft sits among the 63 homes for sale in FLOR A MAR

14
9
15
13
9
3 · this home
$219–282$282–345$345–409$409–472$472–535$535+

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 Flor-a-mar

Map of 5101 SOUTH SHORE DRIVE inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)51 min
Downtown Tampa55 min

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

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

Flor-a-mar — neighborhood snapshot

Population

2,712

Median age

56

Median income

$96,857

Median home value

$435,193

Avg household

2

Households w/ children

136

For the school run

Pasco County School District

HighGulf High School★★★★
MiddleGulf Middle School★★★★

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

The numbers that matter

The New Port Richey market

Seller’s marketBalanced5.0 months of inventoryBuyer’s market

$280K$270K

New Port Richey median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

39 of 63

FLOR A MAR have cut their price

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

This home is listed 408% above the NEW PORT RICHEY 34652 median. See the full New Port Richey market guide →

Paper trail

This home's history

May 1, 2026Listed at $1,099,000 · 107 days on market since
2001Built · FLOR A MAR

Reality check

What actually sold near 5101 SOUTH SHORE DRIVE

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

5401 PILOTS PLACESold · May ’26

$860,000

5401 PILOTS PLACE · same community

3 bd · 2 ba · 1,868 sqft · $460/sqft · 24 DOM

4229 RUDDER WAYSold · Apr ’26

$940,000

4229 RUDDER WAY · same community

3 bd · 3 ba · 1,736 sqft · $541/sqft · 6 DOM

5500 LEEWARD LANESold · Dec ’25

$320,100

5500 LEEWARD LANE · same community

3 bd · 2 ba · 1,963 sqft · $163/sqft · 179 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 5101 SOUTH SHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5101 SOUTH SHORE 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.

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Straight answers

5101 SOUTH SHORE DRIVE FAQs

What would the monthly payment be for 5101 SOUTH SHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,988/mo — principal and interest, the actual property-tax bill, the $10/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 5101 SOUTH SHORE DRIVE?+

The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5101 SOUTH SHORE DRIVE?+

The most recent tax bill on record (2025) was $5,711. 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 5101 SOUTH SHORE DRIVE?+

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 New Port Richey?+

At $1,099,000, this home is listed about 287% above the New Port Richey median of $284,000. The market section on this page shows how the area is trending.

Which schools are assigned to 5101 SOUTH SHORE DRIVE?+

Gulf High School (high), Gulf Middle School (middle) — 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

$1,099,000 runs 408% above the NEW PORT RICHEY 34652 median — but at 1,837 sqft it's also 33% larger than the typical New 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

107 days on market against a New Port Richey median of 52 — sellers in this position are usually ready to negotiate.

Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Jakea Cates. MLS #TB8499931.

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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