Single Family Residence in HARBORPOINTE, PORT RICHEY · No CDD on record · Built 2027
HARBORPOINTE · Port Richey, FL 34668 · Pasco County
Listing data updated October 18, 2026 at 6:48 AM ET · checked against the MLS hourly
Listed by COASTAL PROPERTIES GROUP INTERNATIONAL (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
5Bedrooms
5Bathrooms
4,243Sq Ft
2027Year Built
$1131Per Sq Ft
WaterfrontPrivate pool7-car garageNew constructionNo CDD on record5 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
396% above
$/sq ft vs community
$1131 here vs $228 median sold (12 mo)
Buyer leverage
Buyer advantage
142 days on market
Zone AE
Flood risk
Confirm requirements with FEMA; ~9 ft elevation
$10k–$22k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 18, 2026, 25 Harborpointe Drive in Harborpointe, Port Richey is listed at $4,800,000 (4,243 sq ft, about $1,131 per sq ft). It has been 142 days on market. Listing facts: new construction, a private pool, waterfront, HOA dues of $275/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
New construction — built 2027
4,243 sq ft of living area
7-car garage
Listed at $4,800,000 — recent neighborhood median sale price ~$905,000 (nearby sales; deemed reliable, not an appraisal)
142 days on market
HOA $275/mo (per listing)
Listing description
About this home
Under Construction. Exceptional and rare opportunity to own this extraordinary contemporary waterfront estate directly on the Gulf of America. Secure the home prior to completion and collaborate on select finishes to personalize the final details of your dream coastal retreat.
Located within the exclusive, separately gated enclave of Harborpointe inside the 24-hour guard-gated community of Sand Pebble Point in Port Richey, this architectural showpiece is thoughtfully designed to the highest coastal standards, offering both refined luxury and long-term durability. The residence features expansive 4,243 heated square feet over 2 living levels with open-concept living and dining areas anchored by a large designer kitchen with premium finishes and generous workspace, ideal for entertaining while enjoying unobstructed Gulf views. A private three-stop elevator provides effortless access to all levels.
Every element has been curated to deliver a modern yet timeless aesthetic — clean lines, refined textures, and bright, airy interiors designed to maximize natural light throughout this five-bedroom, five-bathroom home. The primary suite serves as a serene waterfront retreat, complete with a spacious spa-inspired master bath. An expansive seven-car garage accommodates collectors and elevated lifestyle needs alike.
Elevated construction enhances both panoramic views and peace of mind, with the pool strategically positioned on the second-level terrace to maximize sweeping vistas while offering added protection. An assigned private boat slip provides immediate access to open water, completing this unparalleled waterfront opportunity in one of Port Richey’s most prestigious gated communities.
All 35 photos
Description provided by COASTAL PROPERTIES GROUP INTERNATIONAL and reproduced from the MLS; not independently verified.
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Listing agent: Manny Baginski · 727-493-1555Provided 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.
Property facts & sources
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
List price$4,800,000
Bed / bath5 / 5
Living area4,243 sq ft
Year built2027
Property typeSingle Family Residence
Garage7-car
PoolYes
MLS #TB8482706
Listing status142 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~9 ft
CountyPasco
Area listings4 active · 0 under contract
Estimated first-year tax~$50,400/yr
CDD assessmentNone on record
HOA$275/mo
Calculated estimates
Price per sq ft$1131
Estimated monthly payment$32,289
Insurance (illustrative)$10k–$22k/yr
Messtimate range$835,871 – $1,243,199
Comparable-sales median$905,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$32,289/mo
Principal & interest $26,587/mo82%
Taxes $4,200/mo13%
Insurance $1,226/mo4%
HOA $275/mo1%
$32,289/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
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.
HOA dues
$275/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 $10,500–$21,500/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 2027.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$50,400/yr
Estimate: a typical Pasco effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$10k–$22k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$275/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~9 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
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.
Hazard risk
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.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Low
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.
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Harborpointe
Pricing & the Harborpointe market
How this home is priced against recent nearby sales, and where Harborpointe 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.
Property timeline
This home’s history
2027BuiltPer public record
About May 2026Listed (per MLS)MLS reports 142 cumulative days on market as of October 18, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $4,200,000
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.
Transparency
Price & listing history
Listed for $4,800,000Momentum Realty · on market 142 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles 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.
Sold Jan 2026
$975,000
7638 DEEDRA CIRCLE, PORT RICHEY
5 / 3.5 bd/ba · 4,640 sq ft · $210/sq ft
Courtesy of FLAT FEE MLS REALTY · View details →
Sold Sep 2026
$1,100,000
6291 SPOONBILL DRIVE, NEW PORT RICHEY
4 / 3 bd/ba · 3,749 sq ft · $293/sq ft
Courtesy of KELLER WILLIAMS REALTY- PALM H · View details →
Sold Oct 2026
$835,000
5970 SEASIDE DRIVE, NEW PORT RICHEY
5 / 3 bd/ba · 3,392 sq ft · $246/sq ft
Courtesy of PREMIER SOTHEBY'S INTL REALTY · View details →
Sold Mar 2026
$425,000
5970 SEASIDE DRIVE, NEW PORT RICHEY
5 / 3 bd/ba · 3,392 sq ft · $125/sq ft
Courtesy of KELLER WILLIAMS REALTY- PALM H · View details →
Sold Sep 2026
$1,945,000
5791 WESTSHORE DRIVE, NEW PORT RICHEY
5 / 3 bd/ba · 3,308 sq ft · $588/sq ft
Courtesy of DENNIS REALTY & INV. CORP. · View details →
Sold Apr 2026
$650,000
5956 SEASIDE DRIVE, NEW PORT RICHEY
4 / 3 bd/ba · 3,294 sq ft · $197/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Median of these 6 sales: $905,000 ($228/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
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.
$948,100the mess$1,247,300
Directional estimate — built from 7 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,977 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 2026-10-18.
Actual list price: $4,800,000 ($1,131/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 32% spread on the same house — here is what a model can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in the model.
The lot — this listing is waterfront; water frontage is priced far off nearby averages.
The pool — a private pool carries cost and value the model only sees through the comps.
Carrying costs & concessions — this home carries HOA dues of $275/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
4 active listings competing
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (7); 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 18, 2026.
Momentum Scores
Momentum Property Score
22/100
Strongest on: Flood safety (45), Insurance cost (45)
0 limited50100 exceptional
22/100 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.
Price vs area0
This home $1131/sq ft vs the community 12-month median $228/sq ft.
Affordability0
List price $4,800,000 vs the community median $905,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~9 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AE and a 2027 build. Obtain a property-specific quote.
Coverage: 4 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.
Momentum Research
The Momentum read
🟡 Asking $1131 per square foot, about 396% above the community’s $228 median. Harborpointe’s 12-month median sold price per square foot is $228. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
84% of homes in Harborpointe are owner-occupied. An estimated 16% are non-owner-occupied, including 16% held in a company or trust and 0% 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), 30 homes matched. Community-level context.
What’s unique here: one of only 4 active listings in Harborpointe, no CDD assessment.
Updated October 18, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by COASTAL PROPERTIES GROUP INTERNATIONAL · MLS # TB8482706
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Keep looking
Similar homes for sale near HARBORPOINTE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Aug 2026 · Development
Proposal would convert Port Richey hotel into 122 apartments
HCM Hospitality seeks a rezoning to convert the 156-room La Vista Inn at 11736 U.S. 19 on 4.54 acres into a 122-unit apartment community. The Pasco County Planning Commission unanimously recommended approval with conditions, and the item goes next to the County Commission.
Why it matters: Adaptive reuse would add rental housing along the U.S. 19 corridor without new traffic beyond existing entitlements. The site is about 1 mile southeast of Harborpointe.
Pomelo Square mixed-use community advances in Wesley Chapel
Ryan Cos. and PulteGroup are advancing Pomelo Square, a mixed use development at the northeast corner of Old Pasco Road and Overpass Road in Wesley Chapel. Plans call for 415 residential units made up of 325 apartments and 90 townhomes, about 42,000 square feet of retail, and a hotel pad. Completion is targeted for the first quarter of 2028.
Why it matters: Adds a mixed use community of apartments and townhomes with retail space and a hotel pad, expanding housing and commercial supply in a growing Pasco County corridor. The project is about 25 miles east of Harborpointe, elsewhere in Pasco County.
New mixed-use development planned on State Road 52 in central Pasco
A mixed-use development planned on State Road 52 in central Pasco County, next to Pilot Country Airport, would add 108 single-family homes, about 175,000 square feet of commercial and retail space, and a 120-room hotel, with completion expected around 2030.
Why it matters: A new mixed-use community adds housing, retail, and lodging along the State Road 52 corridor in central Pasco, the kind of growth that can shape demand and pricing for nearby communities. The project is about 17 miles east of Harborpointe, elsewhere in Pasco County.
Moffitt Cancer Center opens flagship outpatient center at its new Speros FL campus in Pasco
Moffitt Cancer Center held the grand opening of its flagship outpatient cancer center in January 2026 at Speros FL, its large new campus on State Road 52 in Pasco County. The campus is planned as a long-term life sciences and medical hub expected to bring substantial employment to the area.
Why it matters: A large new medical and life sciences campus is a long-term employment anchor for central Pasco, a structural demand driver for housing in the surrounding area. The project is about 13 miles east of Harborpointe, elsewhere in Pasco County.
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.
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.
School zoningThis address is in the Pasco County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 25 Harborpointe Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $275/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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 4,243 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 $50,400/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 18, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
Typical county effective rate applied to the list price; 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.
Answered before you ask
Frequently asked questions
How big is 25 Harborpointe Drive and when was it built?
Per the listing record, 25 Harborpointe Drive was built in 2027 and has 4,243 sq ft of living area, 5 bedrooms and 5.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 25 Harborpointe Drive in?
25 Harborpointe Drive is in Harborpointe in Port Richey, Pasco County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 25 Harborpointe Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $275 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 25 Harborpointe Drive differ from the current owner's?
The estimate on this page (about $50,400 per year) assumes reassessment at the list price less the homestead exemption. 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 25 Harborpointe 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.
Ready when you are
See 25 HARBORPOINTE DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
