10920 Independence Drive, Port Richey, FL 34668
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 16, 2026, 10920 Independence Drive in Senate Manor, Port Richey is listed at $145,000 (1,130 sq ft, about $128 per sq ft). That is 123% above Senate Manor's median closed sale of $65,000 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $81/sq ft by about 58%. It has been 102 days on market, longer than the community's typical 26 days to contract. Listing facts: built in 1976, HOA dues of $200/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1976 · 50 yrs
- 1,130 sq ft of living area
- Listed at $145,000 — recent neighborhood median sale price ~$65,000 (nearby sales; deemed reliable, not an appraisal)
- 102 days on market
- HOA $200/mo (per listing)
About this home
WELCOME TO YOUR AMAZING HOME at 10920 Independence Dr, Port Richey in the gated community of Senate Manor, a 55+ cooperative community in SUNNY Florida. This 1976 SUPERB 2 bedrooms + Florida room, 2 bathrooms double-wide manufactured home lies on a GREAT lot with over 5000 sqft in a NO CDD zone. Key exterior features are LONG covered carport & driveway parking fitting multiple vehicles, concrete driveway, storage shed with washer/dryer included, rain gutters, shade shutters, private mailbox & easy-breezy TROPICAL landscaping that is taken care of for you.
MASSIVE PHENOMENAL features are sturdy metal roof, new mini-split system for AC. When you step inside, you'll LOVE the OPEN FLOOR PLAN consisting of the foyer, kitchen, living & dining rooms & HUGE Florida room currently set up as a gathering area. The floors are dressed with GORGEOUS wide-plank LUXURY VINYL in all the open areas for fluidity of design (no carpet!).
The WONDERFUL kitchen features a double sink, wood cabinets with hardware, laminate counters & updated appliances including a smooth-top range, microwave & stainless steel fridge. The dining room has a CLASSIC china hutch (included) with BEAUTIFUL glass cabinet doors & upper/lower storage options. The SPACIOUS living room is a magnificent place for family gatherings & flows effortlessly to the Florida room where the party continues.
This FL room can be designed in a multitude of ways. NATURAL SUNSHINE streams inside through the multiple windows ILLUMINATING the interior together with the BRIGHT light fixtures. The HUGE primary bedroom can fit king-size furniture & has a private bathroom.
The primary bathroom features cabinet vanity with MODERN sink, make-up counter, linen closet, private toilet area & step-in shower. The second bedroom features queen furniture & has a nice closet with mirrored doors. The guest bathroom contains a linen closet, tub/shower combo & cabinet vanity.
More SUPERB features of this home include a COOL paint colors on the walls, blinds on the windows, high ceilings & sturdy floors. On the exterior, there are TROPICAL palm trees, raised garden bed in the front yard, brick base skirting around the perimeter to prevent unwanted critters & a wide open yard to design your OUTDOOR DREAM OASIS. There is NOTHING to do in this home as it is TURN-KEY, MOVE-IN READY available FURNISHED (if desired).
Senate Manor is a WONDEFUL 55+ COMMUNITY & included in the low HOA fee of $200/month is trash with recycling pick-up 2X week, all exterior lawn maintenance, water, sewer, street lights, water with fountain views, gates & recreational activities like HEATED POOL & SPA, shuffleboard, horseshoes & gym. There is optional storage for boats, RVs or trailers on site. Location is IDEAL near beaches, shopping, restaurants, medical plazas, places of worship & tourist attractions.
This FANTASTIC, move-in ready home can be sold FURNISHED for immediate enjoyment for the lucky new buyers! MAKE THIS YOUR FUTURE HOME!
Description provided by FUTURE HOME REALTY and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $803/mo 66%
- Taxes $127/mo 11%
- Insurance $79/mo 7%
- HOA $200/mo 17%
$1,209/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Pasco County Schools 2025-26 tentative budget; Pasco County Property Appraiser. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 10920 Independence Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $750/yr (certified county roll, taxable value × millage). Buy at the asking price of $145,000 and the first-year bill resets to about $1,525/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.15 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $200/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Pasco County is $1,659/yr (8,233 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$1,500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1976. An original roof would be about 50 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $465/month (tax $127, HOA $200, insurance $138). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Pasco County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Pasco County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the senate manor market
How this home is priced against recent nearby sales, and where senate manor has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in senate manor
Each dot is a closed sale since 2021 (34 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $128/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
This home’s history
- 1976BuiltPer public record
- About Jul 2026Listed (per MLS)MLS reports 102 cumulative days on market as of October 16, 2026
- Jul 10, 2026First seen on movewithmomentum.comObserved at $150,000
- Aug 4, 2026Price cut$145,000 (-$5,000, -3.3%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
4 closed sales in SENATE MANOR in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 4 sales: $65,000 ($81/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 4 comparable closed sales in SENATE MANOR (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,980 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-16.
Actual list price: $145,000 ($128/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
- Condition & updates — a 1976 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- Carrying costs & concessions — this home carries HOA dues of $200/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: 102 days on market vs. a 26-day community median
- 6 active listings competing
- 2 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (4); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 16, 2026.
Momentum Property Score
31/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 36.0 months of supply in the surrounding market and 102 days on market for this home, against a 26-day area median.Days on market:this home 102Area median: 26 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. As of July 13, 2026.
🟡 Asking $128 per square foot, about 58% above the community’s $81 median. senate manor’s 12-month median sold price per square foot is $81. Median sold price per square foot is up 160.0% year over year. Confidence: Low · 3 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
30% of homes in senate manor are owner-occupied. An estimated 70% are non-owner-occupied, including 3% held in a company or trust and 32% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 375 homes matched. Community-level context.
Recent senate manor sales closed near 93.3% of original asking. Cash paid for about 100% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending July 13, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by FUTURE HOME REALTY · MLS # W7884810
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More on SENATE MANOR
Go deeper on SENATE MANOR
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Pasco County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 10920 Independence Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1976 (50 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $200/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Pasco County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 1,130 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $1,525/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $775 more per year than the current owner’s estimated bill (+103%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 16, 2026) |
| Comparable sales | Stellar MLS closed sales in SENATE MANOR, last 18 months, as of July 13, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 10920 Independence Drive and when was it built?
Per the listing record, 10920 Independence Drive was built in 1976 and has 1,130 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 10920 Independence Drive in?
10920 Independence Drive is in Senate Manor in Port Richey, Pasco County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 10920 Independence Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $200 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 10920 Independence Drive differ from the current owner's?
The estimate on this page (about $1,525 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $775 more per year than the current owner’s estimated bill (+103%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 10920 Independence Drive in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.