4218 RUDDER WAY, NEW PORT RICHEY, FL, 34652
Active376 days on marketListed Aug 2, 2025MLS #TB8410215
About this home
4218 RUDDER WAY
Incredible and rare opportunity to own over 10 acres in the highly sought-after waterfront community of Gulf Harbors in New Port Richey, FL. This unique offering includes two adjoining parcels being sold together—one inside Gulf Harbors and the other directly adjoining to the west. The first parcel is a 0.15-acre lot zoned R4 within the Gulf Harbors community, granting full access to the private amenities, including waterfront parks, community boat ramps, and optional membership to the exclusive Gulf Harbors Private Beach. The second parcel is a 10-acre tract zoned agricultural, featuring approximately 3.5 acres of high and dry buildable land. Currently, zoning allows for up to 3 homes to be built, each with scenic views and privacy. The property’s future land use is designated for high-density residential—up to 12 units per acre—making it an ideal site for residential development. Rezone and transform this land into a stunning new subdivision with single-family or multi-family homes, or build a private estate and enjoy space to raise livestock, grow gardens, or live off the land. The property backs up to a tranquil estuary, offering direct water access for shallow draft boats, kayaks, paddleboards, and jet skis. From your backyard, you can be out on the Gulf of Mexico within 10 to 15 minutes. The nearby Anclote Key Preserve State Park and islands are just 5 miles offshore, offering some of the most pristine beaches in Florida. Whether you're an investor, developer, or buyer looking to build your dream compound, this property has it all—access, acreage, zoning potential, and the best of Florida’s coastal lifestyle. The property is gated and private tours are available by appointment only. Access is through 4218 Rudder Way, New Port Richey. Don’t miss this once-in-a-lifetime opportunity to own a piece of Florida’s natural beauty with endless potential. Live, develop, or invest in the future of waterfront living.
Facts & features
The home at a glance
10.15 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,432 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,432/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside New Port Richey
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know New Port Richey. See the full New Port Richey guide →
NEW PORT RICHEY 34652 — neighborhood snapshot
Population
25,900
Median age
51.8
Median income
$52,396
Median home value
$198,400
Avg household
2.19
Households w/ children
1,991
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The New Port Richey market
$280K → $260K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 127% above the NEW PORT RICHEY 34652 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 4218 RUDDER WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$82,000
4331/4333 MANTON LANE · same community
2 bd · 1 ba · 659 sqft · $124/sqft · 8 DOM
Sold · Sep ’25$150,000
5437 JAGUAR LANE · same community
2 bd · 1 ba · 846 sqft · $177/sqft · 0 DOM
Sold · Apr ’26$180,000
3910 DARLINGTON ROAD · same community
2 bd · 2 ba · 956 sqft · $188/sqft · 87 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4218 RUDDER WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4218 RUDDER WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
4218 RUDDER WAY FAQs
What would the monthly payment be for 4218 RUDDER WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,432/mo — principal and interest, the actual property-tax bill, the $8/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4218 RUDDER WAY?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4218 RUDDER WAY?+
The most recent tax bill on record (2024) was $1,274. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4218 RUDDER WAY?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in New Port Richey?+
At $499,000, this home is listed about 75% above the New Port Richey median of $284,450. The market section on this page shows how the area is trending.
Which schools are assigned to 4218 RUDDER WAY?+
Anclote High School (high), Paul R. Smith Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$499,000 runs 127% above the NEW PORT RICHEY 34652 median.
02Time on market is leverage
376 days on market against a New Port Richey median of 53 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $575,000, now $499,000 — a $76K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DENNIS REALTY & INV. CORP. · Cynthia Stratton. MLS #TB8410215.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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