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$299,000

3836 TOPSAIL TRAIL, NEW PORT RICHEY, FL 34652

3D Tour

Active217 days on market

Beds

Baths

Sq Ft

1,540 sq ft

Year Built

1974

Lot Size

0.24 acres

Garage

About This Property

Virtually Staged. Recent price reductions make this an outstanding value. Imagine your new home and a private sandy beach, too. This beautifully updated spacious 2-bedroom, 2-bathroom home at 3836 Topsail Trail offers move-in-ready coastal living in the desirable Gulf Harbors | Flor a Mar community. Situated on a premium corner lot of nearly a quarter-acre, this home provides the lifestyle of a beach community without the high price of waterfront ownership. Open floorplan and big kitchen. Nearly every surface has been updated, including a new flat roof, luxury vinyl flooring, quartz countertops, and brand-new cabinets. You can enjoy total peace of mind with brand-new systems including a new air conditioner, water heater, electrical system, and never-used stainless steel appliances. The home also features a bonus living space with a 200-square-foot Florida room that is fully heated and cooled, which is not included in the official taxed square footage. Boaters can enjoy gulf access via the community boat ramp, making it perfect for fishermen and sunset watchers. The oversized corner lot includes a large screened-in patio for bug-free entertaining and offers plenty of room to add a private pool. Located in the Flor a Mar subdivision of Gulf Harbors in New Port Richey, this home is ideal for both year-round residents and seasonal snowbirds, known for its vibrant downtown hub of restaurants and shopping and close proximity to the gulf. HOA is $125 annually. Additional private beach club membership is $200 annually. You are going to love it here! Book your showing today.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #W7880759

StatusActive

Year Built1974

Stories1

Total Rooms10

ConstructionBlock, Stucco

RoofTile

FoundationBlock, Slab

FacesWest

SubdivisionFLOR A MAR

CountyPasco

OwnershipFee Simple

Interior Features

InteriorBuilt-in Features, Ceiling Fan(s), Living Room/Dining Room Combo, Open Floorplan, Solid Surface Counters, Walk-In Closet(s)

FlooringLuxury Vinyl

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Range, Range Hood, Refrigerator, Washer

LaundryLaundry Room

CoolingCentral Air

HeatingCentral, Electric

Exterior & Lot

ExteriorFrench Doors, Private Mailbox, Rain Gutters, Shade Shutter(s), Sliding Doors

Lot Size0.24 acres (10,500 sq ft)

Lot FeaturesCorner Lot, Flood Insurance Required, FloodZone, Irregular Lot, Oversized Lot

Road SurfacePaved

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesElectricity Connected, Public, Sewer Connected, Street Lights, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes

HOA Fee$125 / Annually

Senior CommunityNo

Financial Details

List Price$299,000

Original Price$379,000

Annual Taxes$3,839 (2025)

FinancingCash, Conventional, FHA, VA Loan

ZoningR4

Parcel #1226150760018000260

Schools

ElementaryMittye P. Locke-PO

MiddleGulf Middle-PO

HighGulf High-PO

Directions

From US 19 in New Port Richey, W on FloraMar Drto L on Shell Stream to R on Topsail Dr to address on L.

Location

3836 TOPSAIL TRAIL, NEW PORT RICHEY, FL 34652

Listing Information

OfficeEXP REALTY LLC

ListedNovember 15, 2025

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$299,000

Down Payment20% ($59,800)

Interest Rate6.75%

Loan Term

Principal & Interest$1,551

Property Tax (est.)$274

Insurance (est.)$150

Total Monthly$1,976

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Nearby Schools

Elementary School

Mittye P. Locke-PO

View on GreatSchools →

Middle School

Gulf Middle-PO

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High School

Gulf High-PO

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How to Buy This Home

Multiple financing options available for this $299,000 home in NEW PORT RICHEY.

🏛️

FHA Loan

$10,465 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

$14,950 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 12, 2026.