8846 CARMEN LANE, PORT RICHEY, FL, 34668
Active47 days on marketListed Jun 22, 2026MLS #W7886392
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About this home
8846 CARMEN LANE
Seller offering a $2,000 credit toward buyer closing costs, prepaid items, or an interest rate buy-down is negotiable! Move-in ready 3-bedroom, 2-bath home featuring a newer roof, newer HVAC system, newer windows, fresh interior and exterior paint, and a brand-new dishwasher. The split-bedroom floor plan offers privacy, while two living areas provide flexible space for entertaining, a home office, or a den. Enjoy a screened lanai overlooking the fenced backyard, plus a spacious driveway with ample parking. Conveniently located near shopping, dining, parks, medical facilities, major roadways, and Gulf Coast beaches. No HOA and not in a flood zone!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,460
Sqft
0.12 ac
Lot size
2
Garage
1977
Year built
One
Levels
$185
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.
$2,174 /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
$2,174/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
+0.4%
$/sqft vs Port Richey actives
$185 vs $192
Days on market
47 vs 40 typical
Where $185/sqft sits among the 320 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 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)
171 of 320
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 11% 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 8846 CARMEN LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$173,000
6643 CARNATION WAY · same community
2 bd · 2 ba · 1,488 sqft · $116/sqft · 11 DOM
Sold · Jun ’26$329,900
6643 CARNATION WAY · same community
3 bd · 2 ba · 1,488 sqft · $222/sqft · 30 DOM
Sold · Aug ’25$250,000
6611 RIDGE CREST DRIVE · same community
3 bd · 2 ba · 1,264 sqft · $198/sqft · 44 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 8846 CARMEN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8846 CARMEN LANE — 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
8846 CARMEN LANE FAQs
What would the monthly payment be for 8846 CARMEN LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,174/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 8846 CARMEN LANE?+
The most recent tax bill on record (2025) was $3,674. 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 8846 CARMEN LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $269,900, this home is listed about 4% 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 8846 CARMEN LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Jodi Holley. MLS #W7886392.
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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