9837 ISLAND HARBOR DRIVE, PORT RICHEY, FL, 34668
Active200 days on marketListed Jan 22, 2026MLS #W7882302
About this home
9837 ISLAND HARBOR DRIVE
Welcome to this beautifully maintained 3-bedroom, 2-bath home offering 1,947 square feet of living space, ideally situated on a canal in Port Richey—perfect for enjoying Florida’s relaxed waterfront lifestyle. This canal-front property is above flood level, offering added peace of mind while still delivering the benefits of true waterfront living. Enjoy direct water access ideal for kayaking, fishing, and catching crabs, making this home a dream for outdoor and coastal enthusiasts. The private in-ground pool has been thoughtfully updated with a new pool pump, resurfaced pool interior, newly installed tile, and a new handrail, creating a refreshed and inviting space for entertaining, relaxing, or enjoying quiet evenings by the water. Inside, the home offers a spacious and functional layout designed for comfortable everyday living. A new air conditioning system provides year-round comfort and efficiency. Whether you’re seeking a full-time residence or a waterfront retreat, this home delivers space, meaningful upgrades, and an exceptional canal-front setting. Conveniently located near shopping, dining, and Gulf Coast attractions, this is a rare opportunity to enjoy Florida waterfront living with confidence and comfort. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,947
Sqft
0.16 ac
Lot size
2
Garage
1977
Year built
One
Levels
$231
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.
$3,362 /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
$3,362/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
+7.9%
$/sqft vs WEST PORT SUB
$231 vs $206
Days on market
200 vs 40 typical
Where $231/sqft sits among the 16 homes for sale in WEST PORT SUB
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 Port Richey
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Richey. See the full Port Richey guide →
PORT RICHEY 34668 — neighborhood snapshot
Population
48,025
Median age
42.2
Median income
$45,760
Median home value
$168,800
Avg household
2.32
Households w/ children
5,000
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Richey market
$229K → $229K
Port Richey median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
9 of 16
WEST PORT SUB have cut their price
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 85% above the PORT RICHEY 34668 median. See the full Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 9837 ISLAND HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$320,000
9830 SAN SIERRA WAY · same community
4 bd · 2 ba · 1,884 sqft · $170/sqft · 49 DOM
Sold · Jun ’26$395,000
9903 SAN MATEO WAY · same community
3 bd · 2 ba · 1,884 sqft · $210/sqft · 42 DOM
Sold · Apr ’26$440,000
9921 SAN MATEO WAY · same community
3 bd · 2 ba · 1,884 sqft · $234/sqft · 95 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 9837 ISLAND HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9837 ISLAND HARBOR DRIVE — 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
9837 ISLAND HARBOR DRIVE FAQs
What would the monthly payment be for 9837 ISLAND HARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,362/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 9837 ISLAND HARBOR DRIVE?+
The most recent tax bill on record (2024) was $4,250. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Port Richey?+
At $449,900, this home is listed about 74% above the Port Richey median of $258,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9837 ISLAND HARBOR DRIVE?+
Richey Elementary School (elementary), Gulf Middle School (middle), Gulf High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$449,900 runs 85% above the PORT RICHEY 34668 median — but at 1,947 sqft it's also 46% larger than the typical Port Richey listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
200 days on market against a Port Richey median of 40 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $475,000, now $449,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HORIZON PALM REALTY GROUP · Liz Piedra. MLS #W7882302.
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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