5004 ENSIGN LOOP, NEW PORT RICHEY, FL, 34652
Active1 days on marketListed Aug 5, 2026MLS #TB8535600
About this home
5004 ENSIGN LOOP
Experience the Florida lifestyle in this beautifully maintained and updated 3-bedroom, 2-bath waterfront home offering over 2,000 square feet of living space in the sought-after Flor-a-Mar/Gulf Harbors community. Perfectly positioned on approximately 100 feet of deep saltwater canal frontage with direct access to the Gulf, this home is a boater's dream! Boat lift accommodates up to 12k lbs boat and 35ft long. Inside, you'll find a bright and well laid out floor plan featuring soaring vaulted ceilings, a desirable split-bedroom layout, stone countertops, and spacious living areas designed for both everyday comfort and entertaining. The well-appointed kitchen flows seamlessly into the main living spaces while large windows showcase tranquil water views. Step outside to your private backyard oasis featuring a heated saltwater pool, expansive patio, outdoor kitchen, private dock, and plenty of space to relax or host family and friends. The fenced yard, mature landscaping, and waterfront setting create the perfect blend of privacy and coastal charm. Additional highlights include a side-entry two-car garage, tile roof, inside utility room, and no minimum lease restrictions. Residents also have the opportunity to enjoy Gulf Harbors' private beach club and community amenities. Whether you're searching for a full-time residence, vacation getaway, or waterfront investment, this exceptional home delivers the best of Florida living with quick Gulf access, beautiful sunsets, and endless opportunities for boating, fishing, and waterfront recreation. Gulf Harbors is a DEED RESTRICTED neighborhood with optional memberships to the private community beach and civic centers with boat ramps, rentable buildings, social events, and more. Metal Roof (2025)
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,018
Sqft
0.2 ac
Lot size
2
Garage
1987
Year built
One
Levels
$496
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 — not generic estimates.
$6,802 /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
$6,802/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.
vs edgeAI estimate
+13.9%
$/sqft vs New Port Richey actives
$496 vs $200
Days on market
1 vs 48 typical
Where $496/sqft sits among the 400 New 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 Flor-a-mar
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know New Port Richey. See the full New Port Richey guide →
Flor-a-mar — neighborhood snapshot
Population
2,712
Median age
56
Median income
$96,857
Median home value
$435,193
Avg household
2
Households w/ children
136
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The New Port Richey market
$280K → $280K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
224 of 400
New Port Richey actives have cut their price
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 344% above the NEW PORT RICHEY 34652 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 5004 ENSIGN LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$380,000
3801 LUMA DRIVE
3 bd · 2.5 ba · 2,244 sqft · $169/sqft · 3 DOM
Sold · May ’26$209,000
3853 STRATFIELD DRIVE
3 bd · 2 ba · 2,244 sqft · $93/sqft · 24 DOM
Sold · Feb ’26$181,000
4060 SAIL DRIVE
3 bd · 2 ba · 1,763 sqft · $103/sqft · 6 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 5004 ENSIGN LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5004 ENSIGN LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5004 ENSIGN LOOP FAQs
What would the monthly payment be for 5004 ENSIGN LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,802/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 5004 ENSIGN LOOP?+
The most recent tax bill on record (2025) was $10,450. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in New Port Richey?+
At $999,999, this home is listed about 257% above the New Port Richey median of $279,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5004 ENSIGN LOOP?+
Gulf High School (high), Gulf Middle School (middle) — 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
$999,999 runs 344% above the NEW PORT RICHEY 34652 median — but at 2,018 sqft it's also 47% larger than the typical New 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 1 day on market in a New Port Richey market that averages 48 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Summer Bradberry. MLS #TB8535600.
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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