David Ramirez
$1,299,0005 bd3.5 ba2,915 sqft$446 /sqft$8,610 /mo all-in ↓

3640 HARBORVIEW COURT, NEW PORT RICHEY, FL, 34652

Active83 days on marketListed May 22, 2026MLS #TB8508872

WaterfrontPrivate poolSingle Family ResidenceFLOR A MAR

About this home

3640 HARBORVIEW COURT

Virtually Staged. 147 feet of waterfront. Wide-open Gulf access in minutes. A massive dock, boat lift, pool, tiki bar, and enough waterfront space to bring the big boat and the whole crew, with tons of updates and MOVE IN READY… this is the kind of Florida waterfront home buyers search for but rarely find. Located in one of New Port Richey’s premier waterfront communities just minutes from downtown, this beautifully maintained 5-bedroom, 3.5-bath home delivers the true Gulf Coast boating lifestyle with secure wrapped-piling seawall frontage and exceptional outdoor living designed around the water. From the moment you arrive, the curb appeal stands out with brick paver driveways and walkways, tropical landscaping, custom curbing, a dedicated veggie garden, matching storage shed, and a fully fenced yard with dual access gates for convenience and privacy. For boating enthusiasts, the setup here is outstanding. The property features a massive 20x40 extended dock, an additional 8x24 floating dock, shore power, water hookups, and a powerful 24,000-lb boat lift operated by a Gem remote. Whether it’s offshore fishing, island hopping, waterfront restaurants, or sunset cruises into the Gulf of Mexico, you’re only minutes from open water. The backyard was built to entertain. A hurricane-rated 13x20 tiki hut and bar with built-in electric, water, and outdoor speakers creates the perfect waterfront gathering space, while the oversized screened enclosure surrounds the sparkling pool, covered patio, and multiple areas to relax year-round. Inside, the home offers a spacious two-story layout with 5 bedrooms, 3 full bathrooms, plus a convenient pool half-bath complete with its own walk-in closet. Eight sets of double-pane sliding glass doors bring in natural light and water views throughout the home, while hurricane shutters provide added protection and peace of mind. Additional upgrades include Azek composite decking on the balconies, low-maintenance PVC railings, a newer front door, Rainbird 65-head sprinkler system, in-ground pest control system, motion-activated security lighting with cameras & alarm system, upgraded gutters with gutter guards, and extended drain lines. The home has been exceptionally cared for and maintained over the years, offering the perfect opportunity to enjoy waterfront living immediately while still having room to make it your own. Also to add more of a good time the living room is wired for surround sound and pool area has outdoor speakers for your summer parties! Residents also have the option to join the Civic Association for just $125 annually for private boat ramp and clubhouse access, along with optional private beach club membership for only $200 annually. If you’ve been searching for a Gulf access waterfront home in Florida with serious boating capability, resort-style outdoor living, and room for everyone… this one checks every box

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

2,915

Sqft

0.28 ac

Lot size

2

Garage

1969

Year built

Two

Levels

$446

Per sqft

Private poolWaterfrontFireplacePets allowed

Inside

FlooringCarpet · Laminate · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Dry Bar · Kitchen/Family Room Combo · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Concrete · Stucco
FoundationConcrete Perimeter · Slab
FacesNorth
ParkingDriveway · Garage Door Opener · Ground Level
ExteriorBalcony · Garden · Hurricane Shutters · Other

Community & fees

HOA fee$10/mo
Taxes (2025)$11,320/yr
PetsYes
CommunityPrivate Boat Ramp · Water Access · Waterfront · Deed Restrictions · Golf Carts OK · Park

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Available · Public · 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.

$8,610 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,009
PMI (est., until 20% equity)$487
Property tax — 2025 actual bill$943
HOA fee — from the listing$10
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $129,900Loan30-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% · $129,900
Interest rate6.00%
Loan term

Estimated payment

$8,610/mo

Principal & interest$7,009
PMI (est., until 20% equity)$487
Property taxes (actual bill)$943
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.

$/sqft vs FLOR A MAR

$446 vs $384

Days on market

83 vs 53 typical

Where $446/sqft sits among the 63 homes for sale in FLOR A MAR

12
6
13
11
10 · this home
11
$225–276$276–327$327–378$378–429$429–480$480+

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 3640 HARBORVIEW COURT inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)51 min
Downtown Tampa54 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 marketLeans seller5.0 months of inventoryBuyer’s market

$280K$260K

New Port Richey median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

40 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 491% above the NEW PORT RICHEY 34652 median. See the full New Port Richey market guide →

Paper trail

This home's history

May 22, 2026Listed at $1,299,000 · 83 days on market since
1969Built · FLOR A MAR

Reality check

What actually sold near 3640 HARBORVIEW COURT

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

4924 SOUTHSHORE DRIVESold · Jun ’26

$1,700,000

4924 SOUTHSHORE DRIVE · same community

4 bd · 3 ba · 3,094 sqft · $549/sqft · 1 DOM

3300 FLORAMAR TERRACESold · May ’26

$1,273,500

3300 FLORAMAR TERRACE · same community

4 bd · 3 ba · 3,159 sqft · $403/sqft · 175 DOM

4065 RUDDER WAYSold · Jun ’26

$1,200,000

4065 RUDDER WAY · same community

3 bd · 2.5 ba · 2,580 sqft · $465/sqft · 145 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 3640 HARBORVIEW COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3640 HARBORVIEW COURT — 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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Goes straight to David’s phone and CRM.

Straight answers

3640 HARBORVIEW COURT FAQs

What would the monthly payment be for 3640 HARBORVIEW COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,610/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 3640 HARBORVIEW COURT?+

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 3640 HARBORVIEW COURT?+

The most recent tax bill on record (2025) was $11,320. 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 3640 HARBORVIEW COURT?+

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 $1,299,000, this home is listed about 357% above the New Port Richey median of $284,450. The market section on this page shows how the area is trending.

Which schools are assigned to 3640 HARBORVIEW COURT?+

Gulf High School (high), Gulf Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Jakea Cates. MLS #TB8508872.

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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