35 days on marketSingle Family Residence▼ Price cut: $24,000 (9/11)
$160,000
2-Bedroom Home in SUNSHINE RANCHES
9860 GOLDEN LOOP, NEW PORT RICHEY, FL 34654
Single Family Residence in SUNSHINE RANCHES, NEW PORT RICHEY · No CDD
SUNSHINE RANCHES · NEW PORT RICHEY, FL 34654 · Pasco
Listing data updated September 12, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
880Sq Ft
1985Year Built
$182Per Sq Ft
No CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$182 here vs $182 median sold (12 mo)
Buyer leverage
Balanced market
35 days on market
Zone A
Flood risk
Confirm requirements with FEMA; ~22 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 9860 Golden Loop in Sunshine Ranches, New Port Richey is listed at $160,000 (880 sq ft, about $182 per sq ft). It has been 35 days on market. Listing facts: built in 1985, no HOA. The parcel maps to FEMA flood zone A, 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 1985 · 41 yrs
880 sq ft of living area
35 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Sunshine Ranches New Port Richey
Pricing & the Sunshine Ranches New Port Richey market
How this home is priced against recent nearby sales, and where Sunshine Ranches New Port Richey has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median $/sq ft by year
Community sold $/sq ft, 2016–2025. This home lists at $182/sq ft.
Median sale price by year
12-month median closed price, 2016–2025.
Property timeline
This home’s history
1985BuiltPer public record
Aug 7, 2026First trackedObserved at $184,000
Sep 11, 2026Price cut$160,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$1,108/mo
Principal & interest $831/mo75%
Taxes $140/mo13%
Insurance $87/mo8%
HOA $50/mo5%
$1,108/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Strongest on: Price vs area (50), Affordability (50)
0 limited50100 exceptional
44/100 is below average 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 area50
This home $182/sq ft vs the community 12-month median $182/sq ft.
Affordability50
List price $160,000 vs the community median $160,000. Not a measure of personal affordability.
Flood safety50
FEMA Zone A, ~22 ft elevation. Verify the parcel with FEMA.
Insurance cost23
From FEMA Zone A and a 1985 build. Obtain a property-specific quote.
Renovation upside47
From a 1985 build and $182/sq ft vs the community median $182/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. 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 $182 per square foot, about in line with the community’s $182 median. Sunshine Ranches New Port Richey’s 12-month median sold price per square foot is $182. 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.
What’s unique here: one of only 2 active listings in Sunshine Ranches New Port Richey, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Virtually Staged. Welcome to your remodeled, move-in ready home nestled on over half an acre of peaceful, wooded property. If you’ve been searching for a home with land, NO HOA, privacy, room for a garden, space for chickens, and major updates already completed, this one checks all the boxes.
This beautifully updated 2-bedroom, 2-bathroom home has been thoughtfully renovated, giving you peace of mind for years to come. Inside, you’ll find waterproof luxury vinyl plank flooring, new ceiling fans and modern light fixtures, updated sinks, faucets, tub, and shower, creating a fresh, contemporary feel throughout. The extensive improvements go far beyond cosmetics.
Major system upgrades include all-new CPVC water lines underneath the home, a new water heater, new well pump and bladder tank, and a brand-new HVAC system. Even the electrical has been upgraded, with all new electric service from the pole to the home, completed, inspected, and brought fully up to code in 2025. The home has also been set up, tied down, and inspected to current 2025 code requirements, including newly constructed front and rear entry steps.
Additional exterior improvements include a 10-year roof coating completed in 2025, freshly painted interior & exterior, and new skirting with a convenient access door, making this home as low-maintenance as it is attractive. Step outside and enjoy the possibilities that come with over half an acre. Whether you dream of raising chickens, planting a vegetable garden, adding outdoor entertaining space, or simply enjoying the privacy of a wooded lot, you’ll have plenty of room to make it your own.
If you’re looking for a move-in ready home with land, updated mechanical systems, country living with modern conveniences, and room to enjoy the outdoors, this property is a must-see.
Description provided by DALTON WADE INC and reproduced from the MLS; not independently verified.
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$160,000
Bed / bath2 / 2
Living area880 sq ft
Year built1985
Property typeSingle Family Residence
MLS #W7888216
Listing status35 days on market
Public records & third-party data
FEMA flood zoneZone A
Ground elevation~22 ft
Windstorm exposureLow
CountyPasco
Area listings2 active · 0 under contract
Estimated first-year tax~$1,680/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$182
Estimated monthly payment$1,108
Insurance (illustrative)$500–$2k/yr
Comparable-sales median$160,000
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
Listing courtesy of DALTON WADE INC · Listing agent: Deborah Centella · 888-668-8283Provided 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.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$140,800the mess$179,520
Actual list price: $160,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1985 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
2 active listings competing
For reference, this home is listed at $160,000 ($182/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review 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. That's the difference between a Messtimate and a valuation.
Methodology: 880 sq ft × $160–$204/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near SUNSHINE RANCHES
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.
Listed for $160,000Momentum Realty · on market 35 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$1,680/yr
A rough first-year estimate only, applying a typical Pasco rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$500–$2k/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 A — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone A
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~22 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 9860 GOLDEN LOOP?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by DALTON WADE INC · MLS # W7888216
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Market data · public records
Recent sales activity in SUNSHINE RANCHES
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the SUNSHINE RANCHES neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$160,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$182
Canonical 12-month median $/sq ft. Reference only.
Go deeper on SUNSHINE RANCHES
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
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 23 miles east of Sunshine Ranches, 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 15 miles east of Sunshine Ranches, 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 site is about 11 miles east of Sunshine Ranches.
Flagship breaks ground on 46,000-square-foot Wiregrass Ranch Medical Pavilion in Wesley Chapel
Flagship Healthcare Properties broke ground in January 2026 on a 46,000-square-foot medical pavilion at Wiregrass Ranch in Wesley Chapel, adding outpatient medical space to the growing State Road 56 corridor.
Why it matters: Added outpatient medical space along the State Road 56 corridor deepens healthcare access and professional employment in Wesley Chapel, an amenity factor that can support nearby housing demand. The project is about 21 miles east of Sunshine Ranches, elsewhere in Pasco County.
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.
Pasco County Schools (verify by address)Public · Pasco County School District
Confirm zoned elementary, middle, and highBy address · Pasco County School District
Magnet and choice options may applyChoice · Pasco County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$733 – $1,067/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.0%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$396 – −$96At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 9860 Golden Loop, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1985 (41 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone A: 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 880 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 $1,680/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
NEW PORT RICHEY
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 12, 2026)
Community market stats
Stellar MLS closed sales, as of September 12, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone A shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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 9860 Golden Loop and when was it built?
Per the listing record, 9860 Golden Loop was built in 1985 and has 880 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 9860 Golden Loop in?
9860 Golden Loop is in Sunshine Ranches in New Port Richey, Pasco County. The community section on this page shows recent closed sales, days on market, and active inventory for Sunshine Ranches from the same MLS data.
Does 9860 Golden Loop have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 9860 Golden Loop differ from the current owner's?
The estimate on this page (about $1,680 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 9860 Golden Loop in a flood zone?
The FEMA flood map places this parcel in Zone A, 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 9860 GOLDEN LOOP 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 a typical county millage rate to the list price 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.
