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$315,000

11438 MERGANSER WAY, NEW PORT RICHEY, FL 34654

3D Tour
Active6 days on market

Beds

3

Baths

2

Sq Ft

1,558 sq ft

Year Built

2013

Lot Size

0.18 acres

Garage

2

About This Property

Virtually Staged. RARE CUL-DE-SAC, CONSERVATION & POND VIEW, NO REAR NEIGHBORS—AND A ONE-OWNER HOME! Pride of ownership is evident throughout this beautifully maintained 3-bedroom, 2-bath home in gated 55+ Cross Creek at Summertree, the newest section of Summertree. What truly sets this home apart is its peaceful location toward the back of the community, with little to no through traffic and a private backyard setting overlooking conservation and a pond, where deer are frequent visitors. Even more unique, a buildable lot is available next door—an exceptional opportunity for someone who may want to build a second home nearby for family or friends. Enjoy the tranquil views year-round from the window-enclosed Florida room with tile flooring, a wonderful bonus living area not included in the home's main heated square footage. Inside, the light and bright split-bedroom floor plan provides excellent privacy for owners and guests, with spacious living and dining areas enhanced by crown molding and easy-care tile flooring. The open kitchen features granite countertops, wood cabinetry, stainless steel appliances, a breakfast bar and casual dining area, while both bathrooms also feature granite countertops. The generous primary suite offers a walk-in closet and private bath with dual sinks and a walk-in shower. Adding to the home's appeal, the HVAC was replaced in 2025, the garage floor has a durable coated finish, and a backyard patio provides the perfect spot for grilling while enjoying the peaceful surroundings. Decorative concrete curbing accents the landscaped beds and further reflects the care this one-owner home has received. Summertree makes Florida living easy with HOA-provided lawn and landscape maintenance, exterior painting, irrigation, trash removal, high-speed internet and cable TV, leaving more time to enjoy the community's heated pool and spa, fitness center, pickleball, tennis, bocce, clubhouse activities and 9-hole public golf course. Convenient to shopping, dining, medical facilities, beaches, US 19 and the Suncoast Parkway, this home offers a rare combination of cul-de-sac privacy, conservation and pond views, no rear neighbors and the active, low-maintenance lifestyle of one of the area's established 55+ golf cart communities. Come experience the view, the Florida room, the peaceful setting and the Summertree lifestyle for yourself!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8547787
StatusActive
Year Built2013
Total Rooms9
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesNorthwest
SubdivisionSUMMERTREE PRCL 3B
CountyPasco
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Solid Surface Counters, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s)
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
LaundryInside, Laundry Room
WindowsDouble Pane Windows
CoolingCentral Air
HeatingCentral, Electric, Heat Pump

Exterior & Lot

ExteriorIrrigation System, Rain Gutters, Sidewalk, Sliding Doors
FencingVinyl
Lot Size0.18 acres (7,802 sq ft)
Lot FeaturesConservation Area, Cul-De-Sac, Greenbelt, In County, Landscaped, Near Golf Course, Sidewalk, Street Dead-End
Road SurfacePaved
ViewPark/Greenbelt, Trees/Woods, Water
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Fire Hydrant, Sprinkler Well, Street Lights, Underground Utilities, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$702 / Quarterly
Senior CommunityYes

Financial Details

List Price$315,000
Original Price$325,000
Annual Taxes$2,374 (2025)
FinancingCash, Conventional, Trade, FHA, USDA Loan, VA Loan
ZoningMPUD
Parcel #172508009.0000.00130.0

Directions

From 589 head west on 52. At Summertree Community, turn left (south) into the community on Paradise Point Way. Follow until the dead end; turn left on Merganser. Home is on the right in the cul-de-sac.

Location

11438 MERGANSER WAY, NEW PORT RICHEY, FL 34654

Listing Information

OfficeFLORIDA EXECUTIVE REALTY
ListedSeptember 12, 2026

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Home Price

$315,000

20% ($63,000)
6.75%

Loan Term

Principal & Interest$1,634
Property Tax (est.)$289
Insurance (est.)$150
Total Monthly$2,073
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How to Buy This Home

Multiple financing options available for this $315,000 home in NEW PORT RICHEY.

🏛️

FHA Loan

$11,025 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

$15,750 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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: October 21, 2026.

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