3609 LUMA DRIVE, Holiday, FL, 34691 | $199,900

Welcome to 3609 Luma Dr in Holiday—a property that checks the boxes serious buyers are actively looking for right now: durability, efficiency, curb appeal, and long-term value.

This Florida home has been strategically upgraded where it matters most. Brand-new impact windows provide peace of mind, lower insurance exposure, and improved energy efficiency—an immediate win for the buyer in today’s market. The exterior has been completely refreshed with a weatherproofed hardie board siding, delivering a clean, modern look with superior durability and low maintenance for years to come. The brand new exterior paint is a 'cooling paint' designed to keep the home noticeably cooler and a paint that outlasts your typical premium paints. Even more. . . A double-insulated garage door adds another layer of efficiency and storm readiness.

Major systems are already handled, removing big-ticket concerns for the next owner: roof replaced in 2021 and AC in 2020. That’s the kind of upfront investment buyers appreciate—and pay a premium for—because it eliminates uncertainty and provides immediate longevity. Additionally, the home is equipped with new gutters, including leaf filters along the rear—adding both function and long-term ease of maintenance.

Step out back and you’ll immediately notice one of this property’s strongest advantages: no rear neighbors. The result is a backyard that feels significantly larger than most in the area, offering added privacy, open sightlines, and a more expansive outdoor experience. Whether it’s entertaining, letting pets roam, or simply enjoying the extra breathing room, this is the kind of space buyers don’t come across often in Holiday/New Port Richey.

Beyond the property lines, the lifestyle here is just as compelling. You’re minutes from outdoor staples like Key Vista Nature Park and Anclote Gulf Park, offering waterfront views, walking trails, and direct access to the Gulf. For those who enjoy biking, running, or staying active, the nearby Pinellas Trail provides miles of scenic pathways connecting you to multiple coastal communities. This is an ideal setup for buyers seeking an outdoorsy, Florida lifestyle with easy access to nature, recreation, and open space.

If you're looking for a property that stands out from the typical Holiday/New Port Richey inventory, this one deserves all your attention. Clean, upgraded, and built to last—this is the type of home that will sell quickly at this price point. Call today to schedule your private showing at this move-in ready, well-equipped home—don’t let another buyer beat you to it.

Features

  • Rooms: 3
  • Bedrooms: 2
  • Baths: 1 full / 1 half
  • Laundry: In Garage
  • Year Built: 1972
  • Garage: 1-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,068
  • Acreage: 0.15
  • Est. Taxes: $2,593
  • Elem. School: Gulf Trace Elementary
  • Middle School: Paul R. Smith Middle-PO
  • High School: Anclote High-PO
  • Appliances: Dishwasher, Dryer, Range, Refrigerator, Washer
  • MLS#: TB8499861
  • Days on Market: 10 days
  • Website: https://www.raveis.com
    /prop/TB8499861/3609lumadrive_holiday_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). 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. (last updated 5/3/2026 3:10:27 AM)
Listing courtesy of THE SHOP REAL ESTATE CO.   Phone: 727-593-7777

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

3609 LUMA DRIVE, Holiday, FL, 34691

$199,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $159,920 $159,920 $159,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.313% 6.398% 5.710%
Monthly Tax Payment $216 $216 $216
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $946 $985 $1,306
Total Monthly Payment $1,237 $1,276 $1,597

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.