4930 BAY PARK DRIVE, PORT RICHEY, FL, 34668
Active111 days on marketListed Apr 19, 2026MLS #W7884906
About this home
4930 BAY PARK DRIVE
Experience the coastal lifestyle in this exquisitely upgraded waterfront residence, ideally positioned within the highly sought-after Harbor Isles community. Offering direct Gulf access with no bridges, this exceptional property is a boater’s dream -navigation from your private dock to open waters in just minutes. Currently configured as a spacious 3-bedroom, 3-bath home, this residence offers the flexibility to easily function as a 4-bedroom layout, making it ideal for hosting guests or maximizing investment potential. From the moment you enter, you’re greeted by an abundance of natural light and sweeping, unobstructed views of Millers Bayou. This home is far removed from typical canal homes. Here, you’ll enjoy expansive, tranquil waterfront vistas that create a sense of privacy and serenity rarely found. The interior showcases refined finishes throughout, including wood-look tile flooring and a designer kitchen featuring stone countertops, stainless steel appliances, a marble backsplash, and an oversized island with bar seating—perfect for both everyday living and entertaining. The open-concept design seamlessly connects the kitchen, dining, and living areas, all thoughtfully oriented to capture breathtaking water and sunset views. A striking beam-accented ceiling adds architectural character to the main living space. A stunning bonus room lined with wall-to-wall windows is currently utilized as a luxurious primary suite, offering a front-row seat to peaceful sunrises over the water. Two additional bedrooms feature private en-suite baths, a rare and desirable feature that enhances both comfort and functionality. Step outside to your private resort-style oasis, where a beautifully designed paver patio, tiki hut, and firepit area overlook the sparkling pool and scenic bayou. Whether enjoying morning coffee as boats drift by or unwinding with vibrant Gulf Coast sunsets, this outdoor space is designed to impress and inspire. Additional highlights include a newer roof, AC system, tankless water heater, updated electrical panel, and plumbing as well as an indoor laundry area for added convenience. Your private dock with built-in bench seating invites fishing, boating, or simply relaxing by the water. From here, cruise effortlessly to the Gulf or explore nearby destinations like Anclote Island, known for its pristine beaches and turquoise waters. Waterfront dining is just minutes away by boat or golf cart with popular destinations such as Hooters, Whiskey Joe’s, and Catches all within easy reach. Harbor Isles is a charming, golf cart-friendly waterfront community featuring a picturesque park with fountain, walking paths, and green space just across the street. Conveniently located near shopping, dining, entertainment, and major routes for access to the greater Tampa Bay area, this home offers both luxury and lifestyle. Whether you’re seeking a full-time residence, vacation retreat, or income-producing property, this remarkable waterfront home delivers the very best of Florida living with endless possibilities.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,120
Sqft
0.31 ac
Lot size
1971
Year built
One
Levels
$350
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.
$5,330 /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
$5,330/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
+10.2%
$/sqft vs HARBOR ISLES
$350 vs $452
Days on market
111 vs 40 typical
Where $350/sqft sits among the 6 homes for sale in HARBOR ISLES
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)
3 of 6
HARBOR ISLES have cut their price
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 206% 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 4930 BAY PARK DRIVE
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$550,000
4900 SHOREVIEW COURT · same community
3 bd · 2 ba · 2,093 sqft · $263/sqft · 58 DOM
Sold · Mar ’26$420,000
8201 CHANNEL DRIVE · same community
2 bd · 2 ba · 1,480 sqft · $284/sqft · 159 DOM
Sold · Feb ’26$272,000
8233 CHANNEL DRIVE · same community
3 bd · 2 ba · 1,168 sqft · $233/sqft · 131 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 4930 BAY PARK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4930 BAY PARK 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
4930 BAY PARK DRIVE FAQs
What would the monthly payment be for 4930 BAY PARK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,330/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 4930 BAY PARK DRIVE?+
The most recent tax bill on record (2025) was $10,585. 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 $743,000, this home is listed about 186% above the Port Richey median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4930 BAY PARK 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
$743,000 runs 206% above the PORT RICHEY 34668 median — but at 2,120 sqft it's also 59% 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
111 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 $750,000, now $743,000 — a $7K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Deborah Centella. MLS #W7884906.
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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