11530 OYSTER BAY CIRCLE, NEW PORT RICHEY, FL, 34654
Active37 days on marketListed Jul 9, 2026MLS #TB8519885
About this home
11530 OYSTER BAY CIRCLE
Virtually Staged. $5,000 CREDIT TO BUYER TOWARD CLOSING COSTS PLUS A ONE-YEAR HOME WARRANTY! Set on a corner lot inside the gated Waters Edge community, 11530 Oyster Bay Circle gives you 3,114 square feet and a true three-way split floor plan, so there's a quiet corner for everyone and an easy flow when it's time to come together. The kitchen is the heart of it: a navy island big enough for meal prep, projects, and holiday spreads, marble-look counters, and crisp white cabinetry, open to the great room so the cook is always part of the conversation. A breakfast nook wrapped in bay windows catches the morning light, and a private den at the front of the home, also framed by bay windows, makes an easy office or reading room. The layout is where this one shines. On one side, the primary suite is its own retreat with high ceilings, dual sinks, a glass shower, and a garden tub made for the end of a long day. On the other side, you have two bedrooms that share a full bath. Tucked in its own hall at the back of the home, a fourth bedroom with a private ensuite gives your guests a private retreat. Upstairs, a dedicated bonus room with a walk-in closet and attic access flexes into whatever you need. Out back, a covered lanai for cookouts and slow mornings, and the three-car garage handles the cars, the tools, and the gear without a fight. A resort-style pool and clubhouse come with the community, the Suncoast Parkway is minutes from your door, and the Gulf beaches are close enough for a Saturday whim. This is the kind of home you grow into, not out of.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,114
Sqft
0.26 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$173
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.
$3,902 /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
$3,902/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 New Port Richey actives
$173 vs $201
Days on market
37 vs 52 typical
Where $173/sqft sits among the 400 New 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 Waters Edge
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 →
Waters Edge — neighborhood snapshot
Population
2,491
Median age
42
Median income
$97,864
Median home value
$378,850
Avg household
3
Households w/ children
412
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 → $270K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
249 of 400
New Port Richey actives have cut their price
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 184% above the NEW PORT RICHEY 34654 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 11530 OYSTER BAY CIRCLE
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$550,000
11623 MANISTIQUE WAY · same community
4 bd · 3 ba · 3,078 sqft · $179/sqft · 3 DOM
Sold · Apr ’26$575,000
9144 TOPNECK STREET · same community
4 bd · 3.5 ba · 3,075 sqft · $187/sqft · 7 DOM
Sold · Nov ’25$495,000
11126 BIDDEFORD PLACE · same community
5 bd · 3 ba · 2,831 sqft · $175/sqft · 68 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 11530 OYSTER BAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11530 OYSTER BAY CIRCLE — 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
11530 OYSTER BAY CIRCLE FAQs
What would the monthly payment be for 11530 OYSTER BAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,902/mo — principal and interest, the actual property-tax bill, the $169/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 11530 OYSTER BAY CIRCLE?+
The association fee works out to $169 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11530 OYSTER BAY CIRCLE?+
The most recent tax bill on record (2025) was $1,865. 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 11530 OYSTER BAY CIRCLE?+
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 $540,000, this home is listed about 90% above the New Port Richey median of $284,900. The market section on this page shows how the area is trending.
Which schools are assigned to 11530 OYSTER BAY CIRCLE?+
River Ridge Middle School (middle), Cypress Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Michelle Babbino. MLS #TB8519885.
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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