11129 OYSTER BAY CIRCLE, NEW PORT RICHEY, FL, 34654
Active148 days on marketListed Mar 23, 2026MLS #W7884125
About this home
11129 OYSTER BAY CIRCLE
Stunning gem of gated community of Waters Edge. This is a well cared-for 4 bedroom, 2 bath, 3 car garage with bonus room on oversized lot home with lots of upgrades and features. Centrally located kitchen has a combination of kitchen area, breakfast room and family room features 42 inch wood cabinets with crown molding, outside vented hood, Corian countertops, tiled backsplash and 2 year old LG stainless steel appliances. Master bedroom overlooking pool area and back yard has 6x9 walk in closet. Master bath features double sinks, separate toilet area, walk in shower, garden tub. Opposite side of the house includes 3 bedrooms and 2nd bathroom. Upgraded 2nd bathroom with double sinks and walk in shower. 2nd floor bonus room converted to gym with exquisite equipment included in sale price. Surround sound system by Marantz with 5 zones with remote and subwoofer also included. Security system includes Ring doorbell with security window and door sensors, fire alarm connected to Fire department and police. Inside Laundry Room with Samsung washer and dryer. Has four exterior security cameras with 24/7 monitoring, garage includes utility sink, refrigerator, 50 Gal Water Heater 2026, water softener. Dimensional shingles oof 4 years old, with peel and stick underlayment. Two zones Central A/C Unit installed in 2023, 5 Ton and 1.5 Ton Units by MRCOOL. Stunning 11x27 fiberglass saltwater pool 6 foot depth with 3 year old pool heater to keep your pool at 90 F all year long.Hurricane shutters on all windows and doors. Four zones sprinkler system on reclaimed water as well as oversized gutters, downspouts and 3 year old vinyl fence surrounding property, 6 upgraded ceiling fans and custom drapes and blinds. Solar panels valued at $50000 to keep your electric bill very low. Ready to install electric car hook up. Amenities of Waters Edge community include a 9000 sq ft clubhouse, basketball court, pickle ball court, fishing pier and boat dock leading to 70-acre lake at its center. Also includes grand swimming pool, and playground. Quarterly HOA Fee includes spectrum cable, high speed internet, reclaimed water irrigation, trash twice a week with recycling and mosquito control service Located close to many shops, restaurants with easy access to Veterans Expressway. New Port Richey located in fast growing Pasco County, new Moffett Cancer Center Speros Campus 10 min away,close to Nature Coast of West Florida, fantastic beaches of Pinellas County, short drive to Tampa Downtown and Airport. Waters Edge community has 24 hrs. security service.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,432
Sqft
0.21 ac
Lot size
3
Garage
2007
Year built
Two
Levels
$218
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.
$4,118 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,118/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−9.3%
$/sqft vs New Port Richey actives
$218 vs $200
Days on market
148 vs 53 typical
Where $218/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 Waters Edge
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 →
Waters Edge — neighborhood snapshot
Population
2,491
Median age
42
Median income
$97,864
Median home value
$378,850
Avg household
3
Households w/ children
412
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 → $273K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
249 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 186% above the NEW PORT RICHEY 34654 median. See the full New Port Richey market guide →
Paper trail
This home's history
Reality check
What actually sold near 11129 OYSTER BAY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$500,000
1856 FOROUGH CIRCLE · same community
4 bd · 2 ba · 2,447 sqft · $204/sqft · 1 DOM
Sold · Aug ’26$531,000
8642 TENBRIDGE WAY · same community
4 bd · 3 ba · 2,484 sqft · $214/sqft · 49 DOM
Sold · Jul ’26$427,000
1923 MENDOCINO LANE · same community
4 bd · 2.5 ba · 2,253 sqft · $190/sqft · 80 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
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11129 OYSTER BAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11129 OYSTER BAY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Gavin's phone and CRM.
Straight answers
11129 OYSTER BAY CIRCLE FAQs
What would the monthly payment be for 11129 OYSTER BAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,118/mo — principal and interest, the actual property-tax bill, the $166/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 11129 OYSTER BAY CIRCLE?+
The association fee works out to $166 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11129 OYSTER BAY CIRCLE?+
The most recent tax bill on record (2025) was $5,326. 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 11129 OYSTER BAY CIRCLE?+
The listing reports pets: Number Limit, 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 New Port Richey?+
At $529,000, this home is listed about 86% above the New Port Richey median of $284,900. The market section on this page shows how the area is trending.
Which schools are assigned to 11129 OYSTER BAY CIRCLE?+
River Ridge Middle School (middle), Cypress Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$529,000 runs 186% above the NEW PORT RICHEY 34654 median — but at 2,432 sqft it's also nearly twice the size of the typical New Port Richey listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
148 days on market against a New Port Richey median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $549,900, now $529,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AUDUBON REALTY INC · Mark Stys. MLS #W7884125.
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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