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$175,000

4540 IRENE LOOP, NEW PORT RICHEY, FL 34652

Active0 days on market

Beds

Baths

Sq Ft

768 sq ft

Year Built

1968

Lot Size

0.12 acres

Garage

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About This Property

Your first home is more affordable than you think. This move in ready 768 sq ft home has 2 bedrooms, 1 bath, and a 1-car garage; plus the big-ticket updates are done: 2023 roof, luxury vinyl flooring, stainless steel appliances. It's one of the lowest-priced homes in Pasco County that qualifies for FHA and VA financing, so first-time buyers and investors can get in the door without stretching. No HOA, no CDD. Tucked in a quiet pocket near US-19 and Hwy 54, with Wesley Chapel, Tarpon Springs, Clearwater, and Tampa all a quick drive away. Homes at this price don't last.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #TB8527400

StatusActive

Year Built1968

Total Rooms4

ConstructionBlock

RoofShingle

FoundationSlab

FacesWest

SubdivisionMELODIE HILLS

CountyPasco

OwnershipFee Simple

Interior Features

InteriorNinguno

FlooringCeramic Tile, Luxury Vinyl

AppliancesMicrowave, Range, Refrigerator

LaundryIn Garage

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorPrivate Mailbox, Private Yard, Rain Gutters

FencingWood

Lot Size0.12 acres (5,015 sq ft)

Road SurfaceAsphalt

Utilities

WaterPublic

SewerSeptic Tank

UtilitiesElectricity Connected, Water Connected

Parking

GarageYes (1 spaces)

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$175,000

Annual Taxes$1,995 (2025)

FinancingCash, Conventional, FHA, VA Loan

ZoningR4

Parcel #1826160130000000450

Schools

ElementaryGulf Trace Elementary

MiddlePaul R. Smith Middle-PO

HighAnclote High-PO

Directions

North on US-19 N from FL-54 W for .3 miles to Trouble Creek Rd. West on Trouble Creek Rd .1 miles. Right (North) onto Irene Loop (second Irene Loop coming from US-19 N). House will be 420 feet north of Trouble Creek Rd on the east side of the road.

Location

4540 IRENE LOOP, NEW PORT RICHEY, FL 34652

Listing Information

OfficeCOASTAL PROPERTIES GROUP INTER

ListedJuly 9, 2026

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Home Price

$175,000

Down Payment20% ($35,000)

Interest Rate6.75%

Loan Term

Principal & Interest$908

Property Tax (est.)$160

Insurance (est.)$150

Total Monthly$1,218

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Nearby Schools

Elementary School

Gulf Trace Elementary

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Middle School

Paul R. Smith Middle-PO

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High School

Anclote High-PO

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How to Buy This Home

Multiple financing options available for this $175,000 home in NEW PORT RICHEY.

🏛️

FHA Loan

$6,125 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

$8,750 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.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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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: July 9, 2026.