David Ramirez

11444 MERGANSER WAY, NEW PORT RICHEY, FL, 34654

Active95 days on marketListed May 9, 2026MLS #W7885594

Priced 70% below the NEW PORT RICHEY 34654 medianReduced $10KSUMMERTREE PRCL 3B

About this home

11444 MERGANSER WAY

RARE OPPORTUNITY TO BUILD YOUR OWN DREAM HOME IN THIS ACTIVE 55+COMMUNITY! MUST BUILD WITHIN 2 YEARS OF PURCHASE! LOCATED IN A QUIET CUL-DE-SAC WITH NO REAR NEIGHBORES! LOTS OF FUN ACTIVITIES IN THE GORGEOUS CLUBHOUSE! 9 HOLE PUBLIC GOLF COURSE! GOLF CART FRIENDLY! CLOSE TO SUNCOAST PARKWAY, BEACHES, NEW MOFFIT CENTER! COMMUNITY IS BUILT OUT SO GRAB THIS LAST EMPTY LOT!

Facts & features

The home at a glance

0.14 ac

Lot size

Pets allowed

Inside

Outside & construction

Community & fees

HOA fee$235/mo
Taxes (2025)$556/yr
PetsYes
CommunityDeed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Golf · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesElectricity Available · Public · Sewer Available · Water Nearby
WaterPublic

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.

$789 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$324
FHA mortgage insurance (est.)$24
Property tax — 2025 actual bill$46
HOA fee — from the listing$235
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $1,925Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $1,925
Interest rate6.00%
Loan term

Estimated payment

$789/mo

Principal & interest$324
FHA mortgage insurance (est.)$24
Property taxes (actual bill)$46
HOA / condo fee$235
Est. insurance$160

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.

Where it sits

Inside Summertree

Map of 11444 MERGANSER WAY inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)47 min
Downtown Tampa51 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know New Port Richey. See the full New Port Richey guide →

Summertree — neighborhood snapshot

Population

1,835

Median age

60

Median income

$44,847

Median home value

$169,874

Avg household

2

Households w/ children

159

For the school run

Pasco County School District

ElementaryMoon Lake Elementary School★★★★
HighFivay High School★★★★
MiddleHudson Academy★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The New Port Richey market

Seller’s marketLeans seller5.0 months of inventoryBuyer’s market

$280K$260K

New Port Richey median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 70% below the NEW PORT RICHEY 34654 median. See the full New Port Richey market guide →

Paper trail

This home's history

CurrentPrice reduced to $55,000 $10K
May 9, 2026Listed at $65,000 · 95 days on market since

Reality check

What actually sold near 11444 MERGANSER WAY

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

11220 GODWIT COURTSold · Nov ’25

$295,000

11220 GODWIT COURT · same community

3 bd · 2 ba · 1,534 sqft · $192/sqft · 146 DOM

11236 MERGANSER WAYSold · Mar ’26

$313,500

11236 MERGANSER WAY · same community

3 bd · 2 ba · 1,558 sqft · $201/sqft · 68 DOM

11150 PARADISE POINT WAYSold · Apr ’26

$310,000

11150 PARADISE POINT WAY · same community

3 bd · 2 ba · 1,558 sqft · $199/sqft · 5 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 11444 MERGANSER WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11444 MERGANSER WAY — 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.

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Goes straight to David’s phone and CRM.

Straight answers

11444 MERGANSER WAY FAQs

What would the monthly payment be for 11444 MERGANSER WAY?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $789/mo — principal and interest, the actual property-tax bill, the $235/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 11444 MERGANSER WAY?+

The association fee works out to $235 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 11444 MERGANSER WAY?+

The most recent tax bill on record (2025) was $556. 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 11444 MERGANSER WAY?+

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 $55,000, this home is listed about 81% below the New Port Richey median of $284,900. The market section on this page shows how the area is trending.

Which schools are assigned to 11444 MERGANSER WAY?+

Moon Lake Elementary School (elementary), Fivay High School (high), Hudson Academy (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of RE/MAX CHAMPIONS · Lynette Krull. MLS #W7885594.

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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