8601 OLD POST ROAD, Port Richey, FL, 34668 | $495,000

DIRECT GULF ACCESS, NO FIXED BRIDGES, 10, 000 LB BOAT LIFT, ASSUMABLE VA MORTGAGE, AND STUNNING SUNSET VIEWS!

Welcome to this exceptional waterfront home in one of Port Richey's most desirable boating communities. Built in 2003 and perfectly positioned on a deep-water canal with DIRECT ACCESS TO THE GULF, this move-in-ready property offers the ultimate Florida waterfront lifestyle with the ability to boat, fish, kayak, or cruise to waterfront restaurants right from your backyard.
Designed for both comfort and entertaining, this spacious two-story home features an OPEN-CONCEPT FLOOR PLAN filled with natural light and beautiful water views throughout. The kitchen is equipped with GRANITE COUNTERTOPS and flows seamlessly into the main living areas, while UPDATED BAMBOO FLOORING adds warmth and character throughout the home.
The primary suite serves as a private retreat, featuring its own waterfront lanai, two closets including a large WALK-IN CLOSET, and peaceful views of the backyard and canal. Whether enjoying your morning coffee or winding down after a day on the water, this space was designed to embrace the coastal lifestyle.
Boaters will appreciate the STATIONARY DOCK WITH WATER AND ELECTRIC, FLOATING DOCK, and 10, 000 LB BOAT LIFT, providing quick and convenient access to the Gulf with NO FIXED BRIDGES. The west-facing backyard offers breathtaking Florida sunsets and is fully fenced, making it perfect for pets, gatherings, and outdoor enjoyment.
Step outside onto the OVERSIZED COMPOSITE WATERFRONT DECK, recently upgraded for years of low-maintenance enjoyment. Complete with a TIKI BAR featuring electric and running water, this outdoor space is ideal for entertaining family and friends while enjoying panoramic water views and unforgettable sunsets.
Major improvements include a NEW ROOF (2024) and NEW HVAC SYSTEM (2025), providing peace of mind for years to come. Additional features include a HUGE 21' x 30' GARAGE, a SEPARATE STORAGE GARAGE, and ample space for all your boating, fishing, and outdoor equipment.
An added bonus is the ASSUMABLE VA MORTGAGE with an approximate balance of $150, 000 at just 2. 75% interest (subject to lender approval), offering a unique financing opportunity for qualified buyers. The current flood insurance policy through Progressive is approximately 722 annually.
Conveniently located near US-19, shopping, dining, marinas, parks, and local entertainment, this home offers the perfect balance of waterfront privacy and everyday convenience. The seller has already moved out, making this home VACANT, MOVE-IN READY, and waiting for its new owner. If you've been searching for a true Gulf-access property with modern updates, exceptional outdoor living, and direct boating access, this is the one you've been waiting for. Schedule your private showing today and experience Florida waterfront living at its finest.

Features

  • Rooms: 8
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Room, Upper Level
  • Year Built: 2003
  • Garage: 4-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,575
  • Acreage: 0.14
  • Est. Taxes: $114
  • Water Front: Yes
  • Elem. School: Richey Elementary School
  • Middle School: Chasco Middle-PO
  • High School: Gulf High-PO
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8485583
  • Days on Market: 42 days
  • Website: https://www.raveis.com
    /prop/TB8485583/8601oldpostroad_portrichey_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 7/3/2026 3:59:52 AM)
Listing courtesy of HOMAN REALTY GROUP INC   Phone: 352-600-8170

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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

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8601 OLD POST ROAD, Port Richey, FL, 34668

$495,000

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 $396,000 $396,000 $396,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $10 $10 $10
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,372 $2,500 $3,288
Total Monthly Payment $2,457 $2,585 $3,373

* 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.