4234 FLORAMAR TERRACE, NEW PORT RICHEY, FL, 34652
Active74 days on marketListed May 29, 2026MLS #TB8513495
About this home
4234 FLORAMAR TERRACE
Welcome to this stunning canal-front home featuring breathtaking water views and quick access to the Gulf of Mexico. Located in the highly desirable Gulf Harbors community, this beautifully updated 3-bedroom, 2-bath, 1-car garage residence offers the perfect blend of comfort, style, and coastal living. Residents have the option to join the Gulf Harbors Civic Association for only $125 annually, which includes access to a private boat ramp and community activities. An additional optional membership of just $200 per year provides access to the exclusive private beach club, featuring beachfront cabanas, grills, swimming access, and spectacular sunset views from this hidden coastal gem. Completely renovated in 2024, this move-in-ready home showcases a brand-new kitchen with quartz countertops, a spacious island, ceramic tile flooring throughout, updated bathrooms, stylish ceiling fans, and attractive concrete pavers enhancing the front exterior. The open-concept floor plan offers formal living and dining areas filled with natural light, creating a warm and inviting atmosphere ideal for entertaining family and friends. Two guest bedrooms and a full bath are situated on one side of the home, while the private primary suite is tucked away toward the rear of the property. Step outside to the expansive fenced backyard and enjoy boating, fishing, and crabbing right from your own waterfront retreat. Additional updates include a newer A/C (2017) and roof (2013). Conveniently located near shopping, dining, beaches, and entertainment, this property has no HOA or CDD fees—just relaxed Florida waterfront living at its finest. Schedule your private showing today and experience the water-view lifestyle you’ve been dreaming of!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,233
Sqft
0.15 ac
Lot size
1
Garage
1968
Year built
One
Levels
$385
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.
$3,687 /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
$3,687/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
+20.6%
$/sqft vs FLOR A MAR
$385 vs $384
Days on market
74 vs 51 typical
Where $385/sqft sits among the 63 homes for sale in FLOR A MAR
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The New Port Richey market
$280K → $275K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
38 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 111% above the NEW PORT RICHEY 34652 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 4234 FLORAMAR TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$295,000
4848 SHELL STREAM BOULEVARD · same community
3 bd · 2 ba · 1,264 sqft · $233/sqft · 8 DOM
Sold · Jun ’26$290,000
5061 ENSIGN LOOP · same community
3 bd · 2 ba · 1,303 sqft · $223/sqft · 0 DOM
Sold · May ’26$345,000
5540 LEEWARD LANE · same community
2 bd · 2 ba · 1,316 sqft · $262/sqft · 0 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 4234 FLORAMAR TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4234 FLORAMAR TERRACE — 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
4234 FLORAMAR TERRACE FAQs
What would the monthly payment be for 4234 FLORAMAR TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,687/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 4234 FLORAMAR TERRACE?+
The most recent tax bill on record (2025) was $6,252. 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 4234 FLORAMAR TERRACE?+
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 $475,000, this home is listed about 70% above the New Port Richey median of $280,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4234 FLORAMAR TERRACE?+
Gulf High School (high), Gulf Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Kelly Nguyen. MLS #TB8513495.
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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