12510 PAYSON STREET, NEW PORT RICHEY, FL, 34654
Active33 days on marketListed Jul 15, 2026MLS #W7887669
About this home
12510 PAYSON STREET
***BACK ON MARKET ** Don’t miss your second chance **Privacy, peaceful conservation views, and a location that puts everything within easy reach—welcome to your next home.** Nestled on a quiet street with **no rear neighbors and no HOA**, this charming home offers the perfect blend of comfort, convenience, and everyday Florida living. Inside, you'll find easy-maintenance vinyl and tile flooring throughout, a spacious split-bedroom floor plan, and thoughtful updates that provide peace of mind, including a **new A/C (2024)**, **newer drain field 2011**, **new water softener**, and **roof replaced in 2014**. Step outside to enjoy your backyard retreat complete with a relaxing deck overlooking the conservation area, plus **two storage sheds** offering plenty of space for tools, lawn equipment, hobbies, or extra storage. The location is just as impressive. Just minutes away, Moon Lake offers nearly 100 acres of natural beauty with a public park featuring a swimming beach, fishing, kayaking, canoeing, picnic areas, and a boat launch. Outdoor enthusiasts will love nearby James E. Grey Preserve with scenic trails and boardwalks, while downtown New Port Richey's Sims Park offers riverfront walking paths, playgrounds, year-round festivals, live entertainment, and local dining. The New Port Richey Recreation & Aquatic Center, shopping, medical facilities, schools, and everyday conveniences are all close by, and with quick access to the Veterans Expressway, commuting throughout Pasco County and the greater Tampa Bay area is simple and convenient. Whether you're searching for your first home, a peaceful full-time residence, the perfect Florida getaway, or a fantastic investment opportunity with strong long-term or passive rental potential, this property offers an incredible combination of privacy, location, and value. Come see for yourself why this hidden gem is ready to welcome its next owner.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,200
Sqft
0.23 ac
Lot size
1985
Year built
One
Levels
$175
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.
$1,544 /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
$1,544/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
−12.5%
$/sqft vs MOON LAKE ESTATES
$175 vs $167
Days on market
33 vs 52 typical
Where $175/sqft sits among the 33 homes for sale in MOON LAKE ESTATES
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 Moon Lake Estates
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 →
Moon Lake Estates — neighborhood snapshot
Population
4,451
Median age
37
Median income
$43,791
Median home value
$31,361
Avg household
3
Households w/ children
385
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 → $270K
New Port Richey median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
21 of 33
MOON LAKE ESTATES have cut their price
Median sold price, New Port Richey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% 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 12510 PAYSON STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$265,000
10113 HUNTLEY STREET · same community
3 bd · 2 ba · 1,200 sqft · $221/sqft · 438 DOM
Sold · Jun ’26$289,000
10271 LAKE DRIVE · same community
3 bd · 2 ba · 1,200 sqft · $241/sqft · 149 DOM
Sold · Nov ’25$208,000
12832 OCASTA AVENUE · same community
3 bd · 2 ba · 1,188 sqft · $175/sqft · 48 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 12510 PAYSON STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12510 PAYSON STREET — 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
12510 PAYSON STREET FAQs
What would the monthly payment be for 12510 PAYSON STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,544/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 12510 PAYSON STREET?+
The most recent tax bill on record (2025) was $660. 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 12510 PAYSON STREET?+
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 New Port Richey?+
At $210,000, this home is listed about 26% below 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 12510 PAYSON STREET?+
River Ridge Middle School (middle), Cypress Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of HOMESMART · Charisse Mathews. MLS #W7887669.
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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