4549 TOPSAIL TRAIL, NEW PORT RICHEY, FL, 34652
Active15 days on marketListed Jul 23, 2026MLS #TB8531504
About this home
4549 TOPSAIL TRAIL
Waterfront living awaits in the highly sought-after Gulf Harbors community! This beautifully renovated 3-bedroom, 3-bath, 1-car garage home captures breathtaking canal views from the moment you step inside. For boating enthusiasts, the floating dock with a 10,000-lb boat lift provides the perfect launch point, with direct Gulf access just minutes away. The stunning waterfront kitchen is designed to impress, featuring sweeping water views, elegant Quartz countertops, soft-close shaker cabinetry, and brand-new stainless steel appliances. Both bathrooms have been beautifully remodeled with timeless finishes. The spacious enclosed lanai seamlessly extends the living space, creating the perfect setting to entertain, unwind, or simply soak in the peaceful waterfront scenery year-round. Enjoy the Gulf Harbors lifestyle with optional HOA membership for just $125 annually, plus exclusive access to the private Gulf Harbors Beach for only $200 a year. Residents enjoy cabanas, picnic areas, grills, restrooms, showers, and unforgettable Gulf sunsets. This golf cart-friendly community is just minutes from vibrant Downtown New Port Richey, offering waterfront dining, craft breweries, boutique shopping, festivals, and the scenic beauty of Sims Park. Move-in ready, beautifully updated and offering the ultimate Florida boating lifestyle—this is waterfront living at its finest.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,847
Sqft
0.11 ac
Lot size
1
Garage
1968
Year built
One
Levels
$338
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.
$4,162 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,162/mo
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.
vs edgeAI estimate
+19.4%
$/sqft vs New Port Richey actives
$338 vs $200
Days on market
15 vs 48 typical
Where $338/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 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 → $270K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
227 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 175% 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 4549 TOPSAIL TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$181,000
4060 SAIL DRIVE
3 bd · 2 ba · 1,763 sqft · $103/sqft · 6 DOM
Sold · Oct ’25$275,000
4435 SAIL DRIVE
3 bd · 2 ba · 1,676 sqft · $164/sqft · 76 DOM
Sold · Apr ’26$270,000
3707 PINEHURST DRIVE
3 bd · 2 ba · 1,534 sqft · $176/sqft · 122 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 4549 TOPSAIL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4549 TOPSAIL TRAIL — 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
4549 TOPSAIL TRAIL FAQs
What would the monthly payment be for 4549 TOPSAIL TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,162/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 4549 TOPSAIL TRAIL?+
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 4549 TOPSAIL TRAIL?+
The most recent tax bill on record (2026) was $4,624. 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 4549 TOPSAIL TRAIL?+
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 $625,000, this home is listed about 123% above the New Port Richey median of $279,950. The market section on this page shows how the area is trending.
Which schools are assigned to 4549 TOPSAIL TRAIL?+
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 JM REAL ESTATE SOLUTIONS · Jane Mak Makhlouf. MLS #TB8531504.
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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