4046 FLORAMAR TERRACE, NEW PORT RICHEY, FL, 34652
Active9 days on marketListed Jul 30, 2026MLS #TB8533677
About this home
4046 FLORAMAR TERRACE
Florida Waterfront Living at Its Best! Welcome to your fully renovated waterfront retreat, where modern luxury meets the laid-back Florida lifestyle. Every major improvement has been completed with permits, making this home truly move-in ready. Extensive 2023 upgrades include a new roof, pool screen enclosure, gutters, sliding glass door, drain line, and the addition of a 10,000-pound boat lift with enclosed motors. In 2024, the home was further enhanced with a stunning new kitchen featuring granite countertops, soft-close cabinetry, brand-new stainless steel appliances, a new air conditioning system, and a new pool heater. Inside, you’ll find beautiful luxury vinyl plank flooring throughout—absolutely no carpet. The kitchen is both stylish and functional, offering stone countertops, soft-close drawers and cabinets, and all-new stainless steel appliances. Adjacent to the kitchen is a utility room complete with a full-size front-loading washer and dryer, plus a convenient exterior service door. The thoughtfully designed split floor plan offers two guest bedrooms and a beautifully renovated bathroom with a walk-in shower at the front of the home. The spacious family room features a custom electric fireplace accent wall and sliding glass doors that open to your screened lanai, heated pool, and peaceful saltwater canal. The private primary suite provides a relaxing escape with two closets, including an oversized walk-in closet measuring approximately 7’8” x 11’4”. The ensuite bath includes a new vanity and a tub/shower combination. Step outside to your own waterfront oasis. The sealed paver patio offers both covered and open seating areas, making it the perfect place to entertain or unwind in any season. Enjoy swimming year-round in the heated inground pool, or head out on the water using your private 10,000-pound boat lift, floating dock, and dedicated space for a kayak or jet ski. The carport also features a large storage cabinet, providing plenty of room for tools, fishing gear, and outdoor equipment. Residents have the option to join the community HOA for just $125 per year. For an additional $200 annually, members receive exclusive access to the private Gulf Harbors Beach, where you’ll enjoy spectacular sunsets, covered picnic pavilions, grills, restrooms, showers, and ample parking. Whether you’re searching for a full-time residence, seasonal getaway, or waterfront paradise, this exceptional home delivers the perfect combination of comfort, style, and direct boating access. Start living the Florida dream today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,288
Sqft
0.14 ac
Lot size
1961
Year built
One
Levels
$427
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.
$4,087 /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
$4,087/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
+48.1%
$/sqft vs New Port Richey actives
$427 vs $202
Days on market
9 vs 50 typical
Where $427/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 → $260K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
231 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 142% 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 4046 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$535,000
4113 FLORAMAR TERRACE · same community
3 bd · 2.5 ba · 1,584 sqft · $338/sqft · 88 DOM
Sold · Sep ’25$890,000
5782 WESTSHORE DRIVE · same community
2 bd · 2 ba · 2,081 sqft · $428/sqft · 37 DOM
Sold · Apr ’26$1,720,000
3154 BRIGANTINE COURT · same community
4 bd · 2.5 ba · 4,018 sqft · $428/sqft · 180 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 4046 FLORAMAR TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4046 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
4046 FLORAMAR TERRACE FAQs
What would the monthly payment be for 4046 FLORAMAR TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,087/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 4046 FLORAMAR TERRACE?+
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 4046 FLORAMAR TERRACE?+
The most recent tax bill on record (2025) was $5,241. 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 4046 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 $549,900, this home is listed about 96% above the New Port Richey median of $279,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4046 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 RE/MAX REALTY UNLIMITED · Susan Wilson. MLS #TB8533677.
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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