10920 INDEPENDENCE DRIVE, PORT RICHEY, FL, 34668
Active113 days on marketListed Apr 14, 2026MLS #W7884810
About this home
10920 INDEPENDENCE DRIVE
WELCOME TO YOUR AMAZING HOME at 10920 Independence Dr, Port Richey in the gated community of Senate Manor, a 55+ cooperative community in SUNNY Florida. This 1976 SUPERB 2 bedrooms + Florida room, 2 bathrooms double-wide manufactured home lies on a GREAT lot with over 5000 sqft in a NO CDD zone. Key exterior features are LONG covered carport & driveway parking fitting multiple vehicles, concrete driveway, storage shed with washer/dryer included, rain gutters, shade shutters, private mailbox & easy-breezy TROPICAL landscaping that is taken care of for you. MASSIVE PHENOMENAL features are sturdy metal roof, new mini-split system for AC. When you step inside, you'll LOVE the OPEN FLOOR PLAN consisting of the foyer, kitchen, living & dining rooms & HUGE Florida room currently set up as a gathering area. The floors are dressed with GORGEOUS wide-plank LUXURY VINYL in all the open areas for fluidity of design (no carpet!). The WONDERFUL kitchen features a double sink, wood cabinets with hardware, laminate counters & updated appliances including a smooth-top range, microwave & stainless steel fridge. The dining room has a CLASSIC china hutch (included) with BEAUTIFUL glass cabinet doors & upper/lower storage options. The SPACIOUS living room is a magnificent place for family gatherings & flows effortlessly to the Florida room where the party continues. This FL room can be designed in a multitude of ways. NATURAL SUNSHINE streams inside through the multiple windows ILLUMINATING the interior together with the BRIGHT light fixtures. The HUGE primary bedroom can fit king-size furniture & has a private bathroom. The primary bathroom features cabinet vanity with MODERN sink, make-up counter, linen closet, private toilet area & step-in shower. The second bedroom features queen furniture & has a nice closet with mirrored doors. The guest bathroom contains a linen closet, tub/shower combo & cabinet vanity. More SUPERB features of this home include a COOL paint colors on the walls, blinds on the windows, high ceilings & sturdy floors. On the exterior, there are TROPICAL palm trees, raised garden bed in the front yard, brick base skirting around the perimeter to prevent unwanted critters & a wide open yard to design your OUTDOOR DREAM OASIS. There is NOTHING to do in this home as it is TURN-KEY, MOVE-IN READY available FURNISHED (if desired). Senate Manor is a WONDEFUL 55+ COMMUNITY & included in the low HOA fee of $200/month is trash with recycling pick-up 2X week, all exterior lawn maintenance, water, sewer, street lights, water with fountain views, gates & recreational activities like HEATED POOL & SPA, shuffleboard, horseshoes & gym. There is optional storage for boats, RVs or trailers on site. Location is IDEAL near beaches, shopping, restaurants, medical plazas, places of worship & tourist attractions. This FANTASTIC, move-in ready home can be sold FURNISHED for immediate enjoyment for the lucky new buyers! MAKE THIS YOUR FUTURE HOME!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,130
Sqft
0.11 ac
Lot size
1976
Year built
One
Levels
$128
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.
$1,360 /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
$1,360/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
−9.6%
$/sqft vs Port Richey actives
$128 vs $192
Days on market
113 vs 40 typical
Where $128/sqft sits among the 308 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 Senate Manor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Richey. See the full Port Richey guide →
Senate Manor — neighborhood snapshot
Population
604
Median age
38
Median income
$53,750
Median home value
$72,700
Avg household
2
Households w/ children
89%
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 → $225K
Port Richey median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
168 of 308
Port Richey actives have cut their price
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 41% below the PORT RICHEY 34668 median. See the full Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 10920 INDEPENDENCE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$27,000
6530 REPUBLIC DRIVE · same community
2 bd · 2 ba · 1,180 sqft · $23/sqft · 0 DOM
Sold · Aug ’25$65,000
6724 ROOSEVELT DRIVE · same community
2 bd · 2 ba · 800 sqft · $81/sqft · 136 DOM
Sold · Jun ’26$83,000
10826 FREEDOM DRIVE · same community
2 bd · 2 ba · 792 sqft · $105/sqft · 26 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 10920 INDEPENDENCE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10920 INDEPENDENCE 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
10920 INDEPENDENCE DRIVE FAQs
What would the monthly payment be for 10920 INDEPENDENCE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,360/mo — principal and interest, the actual property-tax bill, the $200/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 10920 INDEPENDENCE DRIVE?+
The association fee works out to $200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10920 INDEPENDENCE DRIVE?+
The most recent tax bill on record (2025) was $985. 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 10920 INDEPENDENCE DRIVE?+
The listing reports pets: No. 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 Port Richey?+
At $145,000, this home is listed about 44% below the Port Richey median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10920 INDEPENDENCE DRIVE?+
Gulf Highlands Elementary School (elementary), Bayonet Point Middle School (middle), Fivay 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
01Under the PORT RICHEY 34668 market on paper
$145,000 is 41% below the PORT RICHEY 34668 median of $245,000, and at $128/sqft it sits under the Port Richey average of $207.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
113 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 $150,000, now $145,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY · Janina Wozniak. MLS #W7884810.
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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