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$540,000

11530 OYSTER BAY CIRCLE, NEW PORT RICHEY, FL 34654

3D Tour
Active63 days on market

Beds

4

Baths

3

Sq Ft

3,114 sq ft

Year Built

2006

Lot Size

0.26 acres

Garage

3

About This Property

Virtually Staged. $5,000 CREDIT TO BUYER TOWARD CLOSING COSTS PLUS A ONE-YEAR HOME WARRANTY! Set on a corner lot inside the gated Waters Edge community, 11530 Oyster Bay Circle gives you 3,114 square feet and a true three-way split floor plan, so there's a quiet corner for everyone and an easy flow when it's time to come together. The kitchen is the heart of it: a navy island big enough for meal prep, projects, and holiday spreads, marble-look counters, and crisp white cabinetry, open to the great room so the cook is always part of the conversation. A breakfast nook wrapped in bay windows catches the morning light, and a private den at the front of the home, also framed by bay windows, makes an easy office or reading room. The layout is where this one shines. On one side, the primary suite is its own retreat with high ceilings, dual sinks, a glass shower, and a garden tub made for the end of a long day. On the other side, you have two bedrooms that share a full bath. Tucked in its own hall at the back of the home, a fourth bedroom with a private ensuite gives your guests a private retreat. Upstairs, a dedicated bonus room with a walk-in closet and attic access flexes into whatever you need. Out back, a covered lanai for cookouts and slow mornings, and the three-car garage handles the cars, the tools, and the gear without a fight. A resort-style pool and clubhouse come with the community, the Suncoast Parkway is minutes from your door, and the Gulf beaches are close enough for a Saturday whim. This is the kind of home you grow into, not out of.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8519885
StatusActive
Year Built2006
Total Rooms13
ConstructionBlock, Stucco, Wood Frame
RoofTile
FoundationSlab
FacesWest
SubdivisionWATERS EDGE 02
CountyPasco
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Chair Rail, Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Thermostat, Walk-In Closet(s), Window Treatments
FlooringCarpet, Luxury Vinyl
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
LaundryInside, Laundry Room
WindowsDrapes, Shades
CoolingCentral Air
HeatingElectric

Exterior & Lot

ExteriorIrrigation System, Private Mailbox, Rain Gutters, Sidewalk, Sliding Doors
Lot Size0.26 acres (11,409 sq ft)
Lot FeaturesCorner Lot, Landscaped
Road SurfacePaved
ViewTrees/Woods, Water
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesPublic

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$508 / Quarterly
Senior CommunityNo

Financial Details

List Price$540,000
Annual Taxes$1,865 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningMPUD
Parcel #172520004.0000.00437.0

Schools

ElementaryDeer Park Elementary-PO
MiddleRiver Ridge Middle-PO
HighRidgewood High School-PO

Directions

Moon Lake Rd. to the entrance of Waters Edge. Turn into the Waters Edge community and follow the main road to left on Oyster Bay Circle 11530 is the first house on your left.

Location

11530 OYSTER BAY CIRCLE, NEW PORT RICHEY, FL 34654

Listing Information

OfficeFUTURE HOME REALTY INC
ListedJuly 9, 2026

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Home Price

$540,000

20% ($108,000)
6.75%

Loan Term

Principal & Interest$2,802
Property Tax (est.)$495
Insurance (est.)$150
Total Monthly$3,447
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $540,000 home in NEW PORT RICHEY.

🏛️

FHA Loan

$18,900 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

$27,000 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.

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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 11, 2026.

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