26 HARBORPOINTE DR, PORT RICHEY, FL, 34668
Active137 days on marketListed Mar 9, 2026MLS #TB8484261
About this home
26 HARBORPOINTE DR
Pre-Construction. To be built. Exceptional pre-construction opportunity to own a striking contemporary waterfront residence directly on the Gulf of America located within the exclusive, separately gated enclave of Harborpointe inside the 24-hour guard-gated community in Port Richey. This architectural showpiece is thoughtfully designed to meet the highest modern coastal building standards, offering both refined luxury and long-term structural integrity. Spanning approximately 4,905 square feet, the residence showcases expansive open-concept living spaces designed to capture spectacular Gulf views and abundant natural light throughout. The main living level features a spacious great room, elegant dining area, and a designer chef’s kitchen with premium finishes, generous preparation space, and seamless flow for entertaining. The thoughtfully designed floor plan includes four bedrooms, four full bathrooms, and two half baths, along with a private office ideal for working from home. A bonus room offers additional flexibility for a media lounge, game room, or guest gathering space. The third floor features an additional family room, creating a spectacular elevated retreat perfect for taking in panoramic sunset views over the Gulf. The large primary suite is designed as a private waterfront sanctuary, complete with a spa-inspired bathroom and spacious walk-in closets. A private three-stop elevator provides convenient access to all levels of the home. The property also features a five-car garage, ideal for car enthusiasts, recreational equipment, and additional storage. Elevated construction enhances both panoramic views and peace of mind, with the pool strategically positioned on the living level terrace to maximize sweeping vistas while offering added protection. The outdoor living areas are designed to embrace the coastal lifestyle with space for entertaining, relaxing, and enjoying the surrounding waterfront beauty. An assigned private boat slip provides direct access to the open Gulf, making this an exceptional opportunity to own a custom luxury waterfront residence in one of Port Richey’s most prestigious gated communities.
Facts & features
The home at a glance
4
Bedrooms
5
Bathrooms
4,905
Sqft
0.42 ac
Lot size
5
Garage
2027
Year built
Three Or More
Levels
$999
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$29,631 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$29,631/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Port Richey actives
$999 vs $191
Days on market
137 vs 38 typical
Where $999/sqft sits among the 335 Port Richey actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Harborpointe
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Port Richey. See the full Port Richey guide →
Harborpointe — neighborhood snapshot
Population
950
Median age
51
Median income
$72,941
Median home value
$305,200
Avg household
2
Households w/ children
109
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Richey market
$250K → $237K
Port Richey median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
181 of 335
Port Richey actives have cut their price
Median sold price, Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1896% above the PORT RICHEY 34668 median. See the full Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 26 HARBORPOINTE DR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$975,000
7638 DEEDRA CIRCLE
5 bd · 3.5 ba · 4,640 sqft · $210/sqft · 117 DOM
Sold · Sep ’25$990,000
7049 PENINSULAR DRIVE
5 bd · 3 ba · 3,372 sqft · $294/sqft · 140 DOM
Sold · Mar ’26$800,000
5449 MANATEE POINT DRIVE
3 bd · 3 ba · 2,748 sqft · $291/sqft · 217 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 26 HARBORPOINTE DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 26 HARBORPOINTE DR — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
26 HARBORPOINTE DR FAQs
What would the monthly payment be for 26 HARBORPOINTE DR?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $29,631/mo — principal and interest, the actual property-tax bill, the $320/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 26 HARBORPOINTE DR?+
The association fee works out to $320 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 26 HARBORPOINTE DR?+
The most recent tax bill on record (2025) was $10,474. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 26 HARBORPOINTE DR?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Port Richey?+
At $4,900,000, this home is listed about 1792% above the Port Richey median of $259,000. The market section on this page shows how the area is trending.
Which schools are assigned to 26 HARBORPOINTE DR?+
Richey Elementary School (elementary), Chasco Middle School (middle), Gulf High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$4,900,000 runs 1896% above the PORT RICHEY 34668 median — but at 4,905 sqft it's also nearly 4 times the size of the typical Port Richey listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
137 days on market against a Port Richey median of 38 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Manny Baginski. MLS #TB8484261.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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