4508 Harborpointe Drive, Port Richey, FL 34668
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
4508 Harborpointe Drive in Harborpointe, Port Richey is listed at $5,400,000 (6,646 sq ft, about $813 per sq ft). It came to market within the past week. Listing facts: built in 2023, a private pool, waterfront, HOA dues of $320/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2023 · 3 yrs
- 6,646 sq ft of living area
- 8-car garage
- Active listing
- HOA $320/mo (per listing)
About this home
Virtually Staged. Architectural distinction begins beneath the finishes. At 4508 Harborpointe Drive, panoramic Gulf views and richly appointed interiors are grounded in a substantial reinforced-concrete structure—a waterfront residence conceived with equal regard for permanence, proportion and pleasure.
The construction merits close attention: 8-inch concrete floor slabs with two layers of steel reinforcement, a 12-inch ground-level concrete slab and a deep foundation system. Concrete specified at 5,000 PSI compressive strength and a 0.40 water-to-cement ratio reflects a deliberate approach to coastal durability. Stairs between the main levels are concrete; exterior concrete surfaces are protected by pavers, travertine or coatings.
Hurricane-rated windows and doors, casement-style operable windows and a whole-home Generac generator elevated at the second-floor level on its own dedicated concrete slab further distinguish the home’s substantial concrete construction. Within, the atmosphere shifts from structural precision to richly textured coastal living. A circular arrival court and koi pond introduce the residence, while a private elevator connects its three levels.
In the principal living space, a Versace marble fireplace wall provides a sculptural focal point, balanced by a sweeping expanse of 10-foot sliding glass doors and Gulf views. The primary suite indulges on a grand scale, with a private fireplace, floor-to-ceiling glass doors and an expansive bath enveloped in exotic stone, where an extraordinary double shower with rainfall fixtures surrounds a centrally positioned, oversized jetted soaking tub. Entertaining unfolds across a series of distinctive settings.
An architectural bridge spans the saltwater pool and spa, with a waterfall cascading over the pool, an outdoor kitchen and a main-level pool bath completing the outdoor experience. An integrated, built-in fire-top bar table beside the pool adds an atmospheric gathering place for evening cocktails and conversation. Above, the third-floor bar and game room pairs exotic travertine with two balconies, including one directly overlooking the Gulf.
Five additional bedrooms occupy this level, one currently arranged as a home fitness center, along with three full baths. A spiral stair ascends to the rooftop lookout, where open water and evening skies become the occasion. An elegant palette of new flooring complements the third level's exotic stone finishes and refined interiors.
Newly constructed private dock access connects the property directly to a dock with water, electricity and a 10,000-pound boat lift. The eight-car garage accommodates more than an automotive collection, offering a professional mechanic's pit, dog washing station, additional laundry facilities and a full bath. Extra air-conditioned storage, two mini-splits serving the garage laundry and bath areas, a commercial-grade tankless water heater, elevated pool equipment and a separate city-water irrigation meter carry the same attention to function throughout.
Set within Harbor Pointe, the single-family estate enclave of double-gated Sand Pebble Pointe, the residence enjoys access to swimming pools, tennis courts, putting greens, waterfront boardwalks, RV storage and a clubhouse with a library, game room, fitness room and full kitchen. A private waterfront address where the substance of the construction is as compelling as the setting.
Description provided by COLDWELL BANKER REALTY and reproduced from the MLS; not independently verified.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Pasco County in the last 18 months. Only 1 qualifies for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 6,646 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 30, 2026.
Comparable recent sales
Only 1 closed sale within about 10 miles in Pasco County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
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 $29,441/mo 76%
- Taxes $7,202/mo 19%
- Insurance $1,531/mo 4%
- HOA $320/mo 1%
$38,494/mo at 20% down, 30-yr @ 7.24% · 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 4508 Harborpointe 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 $37,325/yr (certified county roll, taxable value × millage). Buy at the asking price of $5,400,000 and the first-year bill resets to about $86,425/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 | $320/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 $13,000–$26,500/yr; neither is a quote. |
| Roof and age | Built in 2023. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Estimated carrying cost at the asking price, before the mortgage: about $7,660/month (tax $7,202, HOA $320, 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.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
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.
County hazard risk ratings (FEMA National Risk Index, county level)
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 — how to check availability for this address
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 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.
This home’s history
- 2023BuiltPer public record
- Oct 30, 2026First seen on movewithmomentum.comObserved at $5,400,000
- 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.
Price & listing history
Building permits
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Listed by COLDWELL BANKER REALTY · MLS # TB8562371
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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.
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Every home on Harborpointe Drive: what is for sale, what sold and when, the homes and the communities along it.
Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings
More on HARBORPOINTE
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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 4508 Harborpointe Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2023: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $320/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- 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 6,646 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 $86,425/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $49,100 more per year than the current owner’s estimated bill (+132%). 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 30, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Pasco County — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| 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 4508 Harborpointe Drive and when was it built?
Per the listing record, 4508 Harborpointe Drive was built in 2023 and has 6,646 sq ft of living area, 6 bedrooms and 5.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4508 Harborpointe Drive in?
4508 Harborpointe Drive is in Harborpointe in Port Richey, Pasco County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 4508 Harborpointe Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $320 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 4508 Harborpointe Drive differ from the current owner's?
The estimate on this page (about $86,425 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $49,100 more per year than the current owner’s estimated bill (+132%). 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 4508 Harborpointe Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
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.
See 4508 HARBORPOINTE DRIVE in person
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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
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.
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.
