$599,900
3848 TOPSAIL TRAIL, NEW PORT RICHEY, FL 34652
Beds
4
Baths
4
Sq Ft
2,444 sq ft
Year Built
1984
Lot Size
0.24 acres
Garage
2
About This Property
High and Dry. One of a kind, Florida Living, water community. Private beaches. No HOA. No water intrusion from Helene or Milton. This pool home is move-in ready. Large corner lot in Gulf Harbor community. Optional HOA, ($125.00 annually) and optional community membership ($200.00 annually) gives you access to private beaches, boat ramps , fishing, community events, and many social and recreational activities without ever leaving the community. Golf Harbor is close to the airport and has a nature preserve for you nature seekers. This 4/BR, 3 ½ /BA home has a split floor plan and ceramic tile throughout the house. New roof 2020, fencing 2017, electric panel 2023, pool deck and tiles 2022. This home sits high and dry. Hurricane Helene and Milton (2024) did not cause any water incursion. The 4th bedroom has its own bathroom that can be used as a pool bath or an in-law suite or lockout for rental. The home features a wood burning fireplace in the family room. Kitchen has stainless steel appliances with wood cabinetry. The lanai is huge and screened with sliders entering from the family room, dining room and master/primary bedroom. The living room sliders open all the way back as if you were outside on the lanai. The yard has a beautiful privacy fenced with mature landscaping. The Gulf is all around in this water community. The house has plenty of storage with walk in closets and an oversized garage. Schedule an appointment.
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From US 19 in New Port Richie - West on Flor A Mar - Left on Shell Stream - Right on Top Sail. Corner Lot
Location
3848 TOPSAIL TRAIL, NEW PORT RICHEY, FL 34652
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$599,900
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $599,900 home in NEW PORT RICHEY.
🏛️
FHA Loan
$20,997 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$29,995 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Pasco County SHIP
Varies
Income-qualifying Pasco residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.
More Homes in New Port Richey
More Homes in New Port Richey
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 1, 2026.