4557 HARBORPOINTE DRIVE, PORT RICHEY, FL, 34668
Active430 days on marketListed May 30, 2025MLS #TB8391786
About this home
4557 HARBORPOINTE DRIVE
Private double gated community with this beautiful gulf water front lot facing directly east to gulf of Mexico. Build your dream house with available house plan in this upscale community of only 54 houses. Harbor pointe has a newly built club house with a large rental function room, kitchen, library/meeting room, fitness room. tennis/pickleball courts and a putting green also adds to amenities. the new boat ramp with wide decking has direct access to Gulf of Mexico for your boat slip or use your canoes or kayaks to venture around with boat ride to unspoiled Anclote Island sandy beaches or to nearby waterfront restaurants.
Facts & features
The home at a glance
0.34 ac
Lot size
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.
$6,541 /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
$6,541/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.
Where it sits
Inside Harborpointe
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Richey. See the full Port Richey guide →
Harborpointe — neighborhood snapshot
Population
950
Median age
51
Median income
$72,941
Median home value
$305,200
Avg household
2
Households w/ children
109
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
$250K → $237K
Port Richey median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 286% 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 4557 HARBORPOINTE DRIVE
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$155,000
7243 ROYAL PALM DRIVE
2 bd · 1 ba · 720 sqft · $215/sqft · 102 DOM
Sold · Apr ’26$160,000
5141 MALLETT DRIVE
2 bd · 1 ba · 720 sqft · $222/sqft · 138 DOM
Sold · Jul ’26$179,900
7308 ROYAL PALM DRIVE
2 bd · 1 ba · 744 sqft · $242/sqft · 53 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4557 HARBORPOINTE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4557 HARBORPOINTE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
4557 HARBORPOINTE DRIVE FAQs
What would the monthly payment be for 4557 HARBORPOINTE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,541/mo — principal and interest, the actual property-tax bill, the $258/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 4557 HARBORPOINTE DRIVE?+
The association fee works out to $258 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4557 HARBORPOINTE DRIVE?+
The most recent tax bill on record (2024) was $7,690. 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 4557 HARBORPOINTE 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 Port Richey?+
At $950,000, this home is listed about 267% above the Port Richey median of $259,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4557 HARBORPOINTE DRIVE?+
Richey Elementary School (elementary), Chasco 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
$950,000 runs 286% above the PORT RICHEY 34668 median.
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
430 days on market against a Port Richey median of 38 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,250,000, now $950,000 — a $300K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CREATIVE PROPERTIES LLC · Mehrdad Moshtagh. MLS #TB8391786.
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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