
Lot 46 HARBORPOINTE DR., PORT RICHEY, FL, 34668
Active1 days on marketListed Aug 4, 2026MLS #W7887577
About this home
Lot 46 HARBORPOINTE DR.
Welcome to Harborpointe, one of Pasco County's best-kept waterfront secrets. Located directly on the Gulf of Mexico, this exclusive double-gated community offers luxury coastal living with spectacular sunrise and sunset views. Residents enter through the 24-hour manned Sand Pebble gate before arriving at the private Harborpointe enclave, where spacious waterfront homesites and an exceptional marina lifestyle await. This premium homesite includes an assigned marina slip, with the option to install a private boat lift, making it ideal for boating enthusiasts. The property features northeast front exposure and southwest rear exposure, perfectly positioned to capture beautiful sunrises and breathtaking Gulf sunsets. One advantage is that this property is located in AE Flood Zone rather than VE, which may allow for reduced piling requirements, potentially lowering construction costs and flood insurance premiums (buyers should verify with their builder, engineer, and insurance provider). Harborpointe is part of the master-planned Sand Pebble community offering outstanding resort-style amenities, including a beautiful new clubhouse with a fitness center, library, card room, billiards, table tennis, activity room, yoga classes, social clubs, and community events. Residents also enjoy access to a community boat ramp, putting green, tennis courts, pickleball courts, waterfront boardwalk, and fishing pier. Architectural guidelines help preserve the beauty of the community, with a minimum home size of 2,500 square feet, though many homes are substantially larger. This is a rare opportunity to build a custom waterfront home in one of the Gulf Coast's most desirable private communities. Please see ShowingTime for community access instructions. Agents are encouraged to review all attached documents, including marina information, ground studies, survey, elevation information, and architectural criteria.
Facts & features
The home at a glance
0.34 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.
$4,212 /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
$4,212/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 Harborpointe
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Richey. See the full Port Richey guide →
Harborpointe — neighborhood snapshot
Population
950
Median age
51
Median income
$72,941
Median home value
$305,200
Avg household
2
Households w/ children
109
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Richey market
$229K → $225K
Port Richey median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 108% above the PORT RICHEY 34668 median. See the full Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near Lot 46 HARBORPOINTE DR.
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$155,000
7243 ROYAL PALM DRIVE
2 bd · 1 ba · 720 sqft · $215/sqft · 102 DOM
Sold · Feb ’26$119,900
7208 OELSNER STREET
2 bd · 1 ba · 860 sqft · $139/sqft · 88 DOM
Sold · Jan ’26$280,000
5333 DARTMOUTH ROAD
2 bd · 1 ba · 864 sqft · $324/sqft · 131 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 Lot 46 HARBORPOINTE DR. — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for Lot 46 HARBORPOINTE DR. — 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
Lot 46 HARBORPOINTE DR. FAQs
What would the monthly payment be for Lot 46 HARBORPOINTE DR.?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,212/mo — principal and interest, the actual property-tax bill, the $320/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 Lot 46 HARBORPOINTE DR.?+
The association fee works out to $320 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on Lot 46 HARBORPOINTE DR.?+
The most recent tax bill on record (2026) was $6,043. 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 Lot 46 HARBORPOINTE DR.?+
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 Port Richey?+
At $510,000, this home is listed about 96% above the Port Richey median of $259,900. The market section on this page shows how the area is trending.
Which schools are assigned to Lot 46 HARBORPOINTE DR.?+
Richey Elementary School (elementary), Chasco Middle School (middle), Gulf High School (high) — 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
$510,000 runs 108% above the PORT RICHEY 34668 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Port Richey market that averages 40 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Sheree Landreth. MLS #W7887577.
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.
Never miss a listing
New Port Richey homes, in your inbox
Like Lot 46 HARBORPOINTE DR. but not quite? A daily digest of every new listing in Port Richey — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kat to ping you on any price or status change →


