David Ramirez
$768,000$800,0003 bd2 ba1,822 sqft$422 /sqft$4,998 /mo all-in ↓

3517 SEAWAY DRIVE, NEW PORT RICHEY, FL, 34652

Active75 days on marketListed May 25, 2026MLS #W7886065

Reduced $32KWaterfrontPrivate poolFully furnishedSingle Family ResidenceFLOR A MAR

Come see it

Upcoming open houses

Sat, Aug 8

11:00 AM – 1:00 PM

If you are not able to make the open house - please setup facetime with me and I can walk you through the house by phone.

Sat, Aug 8

11:00 AM – 1:00 PM

If you are not able to make the open house - please setup facetime with me and I can walk you through the house by phone.

About this home

3517 SEAWAY DRIVE

Modern Miami Luxe Meets Waterfront Paradise! Completely remodeled with a sleek, ultra-modern "Miami Style" aesthetic, this turn-key home features premium flooring and a high-end chef’s kitchen with top-tier finishes. Situated in an outdoor lover’s dream community, you are minutes from world-class boating, fishing, and an exclusive private Gulf-front beach. Offering unbeatable value and priced remarkably affordably compared to surrounding waterfront markets, this luxury haven is the ultimate Florida lifestyle deal—act fast, because it won't last! Great writeup by Seller!! Roof: Insulated 6 yrs ago, Windows Newly installed hurricane Windows, Newly Repaired Deck, fully renovated interior Throughout the house, HVAC/AC UNIT REPLACED APPROX 4 YRS AGO. Professionally Designed by an Interior Designer. All new furniture - Fully furnished, Modern luxury home. high-end Finishes, from flooring, lighting, bathrooms, and kitchen. This home offers a CLEAN Canvas, Bright and Airy, As Beautiful as it is - Easy to transform into your Choice of Decor and Style. The open floor plan is with abundant natural light throughout. The detailed updated kitchen is centrally located with breakfast bar, and nice size pantry! This open-concept kitchen seamlessly connects to the family & dining room, creating an ideal space for entertaining. Oh! did I mention the view overlooking the canal, adding a peaceful feel. Spacious master Bedroom retreat offers a comfortable space with a walk-in closet, an updated ensuite bathroom with a walk-in shower...French doors lead directly to a covered outdoor patio and pool area. 2nd and 3rd bedroom located opposite side of the house – split floor plan Quiet location. Florida living at its best! Spend your day exploring the island beaches or just pull your boat up to a local restaurant. Gulf Harbors Civic Association always scheduling events – Community paper lists all events and mentions all various clubs that are avail to join if interested. Boating enthusiasts! 77 ft of seawall waterfront with room for a nice size sailboat or multiple boats AND deep-water Gulf Access in minutes! Two community ramps are available, a key required for access to ramps - purchase through the Gulf Harbors Civic Assoc,. The Association offers an OPTIONAL HOA membership for only $125 a year. Optional membership: Gulf Harbors Private Beach club for only $200.00 annually - it offers grills, bathrooms, showers, tables and benches, w/ cabanas. Great place for a cookout. Love the outdoor concerts at the beach. Gulf Harbors Yacht club near great food & events, a new park also available nearby. - only mins away waterfront dining by boat access or car, & shopping! Historical Downtown New Port Richey offers fun places to visit. Interesting silent movie industry past! Don’t miss this old town charm. Tampa Airport about 50 mins away, the Historical Tarpon Springs Sponge docks only 15 mins away. Clearwater Beach is about 50 mins away. Seller's Flood insurance is transferable

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,822

Sqft

0.2 ac

Lot size

2

Garage

1975

Year built

One

Levels

$422

Per sqft

Private poolWaterfrontPool & Water viewFurnishedPets allowed

Inside

FlooringCeramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofTile
ConstructionBlock · Concrete
FoundationSlab
ViewPool · Water
FacesSouthwest
ParkingCircular Driveway · Garage Door Opener · Guest
ExteriorFrench Doors · Hurricane Shutters · Lighting

Community & fees

HOA fee$10/mo
Taxes (2025)$4,755/yr
PetsYes
CommunityCommunity Boat Ramp · Private Boat Ramp · Water Access

Utilities & systems

UtilitiesCable Available · Electricity Available · Electricity Connected · Public · Sewer Connected · Street Lights · Water Available · Water Connected
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.

$4,998 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,144
PMI (est., until 20% equity)$288
Property tax — 2025 actual bill$396
HOA fee — from the listing$10
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $76,800Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $76,800
Interest rate6.00%
Loan term

Estimated payment

$4,998/mo

Principal & interest$4,144
PMI (est., until 20% equity)$288
Property taxes (actual bill)$396
HOA / condo fee$10
Est. insurance$160

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.

List $768K
$526KedgeAI estimate $680,734 · range $548K$819K$852K

vs edgeAI estimate

+12.8%

$/sqft vs FLOR A MAR

$422 vs $384

Days on market

75 vs 50 typical

Where $422/sqft sits among the 63 homes for sale in FLOR A MAR

12
6
12
10 · this home
12
11
$225–276$276–327$327–378$378–429$429–480$480+

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

Map of 3517 SEAWAY DRIVE inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)51 min
Downtown Tampa54 min

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

HighGulf High School★★★★
MiddleGulf Middle School★★★★

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)

36 of 63

FLOR A MAR have cut their price

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

This home is listed 235% above the NEW PORT RICHEY 34652 median. See the full New Port Richey market guide →

Paper trail

This home's history

CurrentPrice reduced to $768,000 $32K
May 25, 2026Listed at $800,000 · 75 days on market since
1975Built · FLOR A MAR

Reality check

What actually sold near 3517 SEAWAY DRIVE

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

5401 PILOTS PLACESold · May ’26

$860,000

5401 PILOTS PLACE · same community

3 bd · 2 ba · 1,868 sqft · $460/sqft · 24 DOM

4229 RUDDER WAYSold · Apr ’26

$940,000

4229 RUDDER WAY · same community

3 bd · 3 ba · 1,736 sqft · $541/sqft · 6 DOM

4832 SHELL STREAM BOULEVARDSold · Jun ’26

$405,000

4832 SHELL STREAM BOULEVARD · same community

3 bd · 2 ba · 1,704 sqft · $238/sqft · 36 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 3517 SEAWAY DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3517 SEAWAY DRIVE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

3517 SEAWAY DRIVE FAQs

What would the monthly payment be for 3517 SEAWAY DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,998/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 3517 SEAWAY DRIVE?+

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 3517 SEAWAY DRIVE?+

The most recent tax bill on record (2025) was $4,755. 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 3517 SEAWAY DRIVE?+

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 $768,000, this home is listed about 174% 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 3517 SEAWAY DRIVE?+

Gulf High School (high), Gulf Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$768,000 runs 235% above the NEW PORT RICHEY 34652 median — but at 1,822 sqft it's also 33% larger than the typical New 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.

03The price has already moved

Listed at $800,000, now $768,000 — a $32K cut. The full history is in the market section below.

Listing courtesy of BEST OF THE GULF REALTY INC · Evelyn Gilder. MLS #W7886065.

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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