
4631 HARBORPOINTE DRIVE, PORT RICHEY, FL, 34668
Active4 days on marketListed Jul 27, 2026MLS #TB8528653
About this home
4631 HARBORPOINTE DRIVE
Virtually Staged. Set behind the double gates of Harborpointe, this nearly 5,000-square-foot Gulf-front estate offers exceptional scale, privacy and sweeping water views. Constructed of concrete block across all three levels, it is the only home in the community approved for, and featuring, its private residential dock. A marina slip with a newer boat lift also conveys. A grand curved staircase welcomes you upon entry, while a three-stop elevator connects each level. The dramatic great room features soaring ceilings, hardwood flooring, a built-in gas fireplace, wet bar and walls of glass opening to a waterfront balcony. Multiple gathering spaces, a formal dining room and a generous kitchen with granite countertops, double wall ovens, warming drawer and a separate wet bar area offer effortless entertaining. The expansive primary suite offers a fireplace, private Gulf-view balcony, two custom walk-in closets and a spa-inspired bath with stone sinks, a jetted tub, oversized double walk-in shower with your private sauna. Additional guest bedrooms on the first and second floors, a secluded office and flexible spaces accommodate guests, fitness, recreation or working from home. Distinctive amenities include a climate-controlled, 1,000-bottle walk-in wine cellar and a secured walk-in collection room. Biometric fingerprint and passcode entry secure both spaces and the primary suite. Additional features include a central vacuum system, water softener and whole-home intercom. The substantial garage has ability to accommodate up to six vehicles and includes an EV charger, hydraulic storage lift, utility sink, dedicated storage, additional bath, and flexible gym or workshop space. The outdoor setting unfolds as a private waterfront resort. The heated saltwater pool and spa feature a waterfall, gas fire element and remotely controlled AquaLink equipment. Multiple outdoor kitchens and bars include an upgraded second-level kitchen, poolside grilling area and brick pizza oven. The newly completed private dock features enhanced structural support, resin decking, custom railings, water, electricity, underwater lighting, a fish-cleaning station, ladder, mounted television and waterfront tiki bar. Updated landscaping, remotely controlled irrigation and programmable lighting further enhance the waterfront grounds. Additional improvements include a newer roof, newer carpeting, two newer air-conditioning systems, a newer gas water heater, 2025 pool equipment, hurricane shutters, Nest thermostats, Ring cameras and upgraded ADT security. With commanding Gulf views, rare private dockage and exceptional entertaining spaces, this Harborpointe estate delivers waterfront living on a grand scale.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
4,515
Sqft
0.28 ac
Lot size
6
Garage
2003
Year built
Two
Levels
$831
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.
$24,273 /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
$24,273/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
$831 vs $192
Days on market
4 vs 38 typical
Where $831/sqft sits among the 329 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)
180 of 329
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 1429% 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 4631 HARBORPOINTE DRIVE
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$1,450,000
8731 BETTY STREET
5 bd · 4 ba · 4,608 sqft · $315/sqft · 262 DOM
Sold · Jan ’26$975,000
7638 DEEDRA CIRCLE
5 bd · 3.5 ba · 4,640 sqft · $210/sqft · 117 DOM
Sold · Dec ’25$674,999
5413 TROPICAL WOODS COURT
4 bd · 2.5 ba · 2,972 sqft · $227/sqft · 61 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 4631 HARBORPOINTE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4631 HARBORPOINTE DRIVE — 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
4631 HARBORPOINTE DRIVE FAQs
What would the monthly payment be for 4631 HARBORPOINTE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $24,273/mo — principal and interest, the actual property-tax bill, the $350/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 4631 HARBORPOINTE DRIVE?+
The association fee works out to $350 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4631 HARBORPOINTE DRIVE?+
The most recent tax bill on record (2025) was $25,465. 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 4631 HARBORPOINTE DRIVE?+
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 $3,750,000, this home is listed about 1348% 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 4631 HARBORPOINTE DRIVE?+
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
$3,750,000 runs 1429% above the PORT RICHEY 34668 median — but at 4,515 sqft it's also nearly 3 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.
03Fresh on the market
Only 4 days on market in a Port Richey market that averages 38 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBYS INTL REALTY · Christina Navatta Mueller. MLS #TB8528653.
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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