This beautifully updated Gulf Harbors waterfront home delivers the lifestyle you are searching for—direct Gulf access, a private beach, a saltwater pool, and two boat lifts. And thanks to the fully paid max tier one solar panel system, no electric bill, aside from the $34 monthly connection charge. The solar panels are only 3 years old with 20-30 years of expected life. The interior of the home was updated and remodeled in 2024. The heart of the home is a stunning kitchen designed for both everyday living and entertaining, featuring stainless steel appliances, induction cooking and convection stove and a Reverse Osmosis system all wrapped into an open, inviting layout. There is exceptional kitchen storage with 31 total cabinets and drawers. All lower cabinets in the main kitchen are full-extension drawers for easy access to pots, pans, and small appliances, a premium upgrade compared with standard base cabinets. Around the granite countertop are additional perimeter cabinets plus a full pantry with upper and lower doors providing abundant, organized storage for food, cookware, and bulk items. The primary suite is a true waterfront retreat, with sliding glass doors that open directly to the back patio. Two additional bedrooms offer flexibility for guests, home office space, or multigenerational living—one even includes separate backyard access making it the perfect office or private entrance. The second bath features a deep soaking tub. This home has major system upgrades already completed—including replumbing the whole house with PEX piping, a new AC, hybrid water heater, water softener, and a generator hookup. Outside, the Florida lifestyle truly comes alive. Enjoy a resurfaced saltwater pool with a new filter, pump, and heater. The entire backyard, pool deck and side yards have brick pavers for no maintenance living and easy entertaining. There is an updated floating dock and gangway for easy loading and disembarking when boating. The two boat lifts are accessed by two 30 foot piers. All pilings are wrapped to prevent marine borer infestation, extending structural life and improving aesthetics. One boat lift is a three year old no-maintenance 13K boat lift. The other boat lift is a 10K lbs lift that was reconditioned with new cables and motors. Both boat lifts have GEM controllers with auto-stop technology and remote operation for lifting/lowering ease making spontaneous sunset cruises effortless. The dock is equipped with power outlets, motion sensor lights and water faucets for easy boat maintenance. There are also 2 working davits for a third vessel. Residents enjoy optional HOA at just $125 annually, access to a private beach for only $200 per year, and a golf-cart-friendly atmosphere. This home features an extra deep canal on a wide waterway on the south channel and this street has underground utilities so no unsightly power lines. Rudder Way is also a dead end street, and this home is close to the end so very little car or pedestrian traffic. Just privacy and solitude. Whether you’re an experienced boater or dreaming of becoming one, this home offers direct, quick access to the Gulf, with no bridges to slow you down. Flood insurance is approximately $3,500 annually and transferable, adding peace of mind! This neighborhood is hidden, but moments from all the nearby necessities including Publix, Sams Club, and downtown New Port Richey!
For sale
$750,000
3939 Rudder Way, New Port Richey, FL 34652
3beds
1,577sqft
Est.:
Single Family Residence
Built in 1977
6,777 Square Feet Lot
$-- Zestimate®
$476/sqft
$10/mo HOA
What's special
Direct gulf accessTwo boat liftsPrivate beachSaltwater poolGranite countertopOpen inviting layoutReverse osmosis system
- 4 days |
- 546 |
- 9 |
Likely to sell faster than
Zillow last checked: 8 hours ago
Listing updated: 20 hours ago
Listing Provided by:
Jakea Cates 813-802-9689,
KELLER WILLIAMS REALTY- PALM H 727-772-0772,
Bayley Merila 727-619-8111,
KELLER WILLIAMS REALTY- PALM H
Source: Stellar MLS,MLS#: TB8472364
Originating MLS: Suncoast Tampa

Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Features: Shower No Tub, Built-in Closet
- Level: First
- Area: 195.5 Square Feet
- Dimensions: 11.5x17
Bedroom 2
- Features: Built-in Closet
- Level: First
- Area: 168 Square Feet
- Dimensions: 12x14
Bedroom 3
- Features: No Closet
- Level: First
- Area: 126.5 Square Feet
- Dimensions: 11x11.5
Great room
- Level: First
- Area: 212.75 Square Feet
- Dimensions: 11.5x18.5
Kitchen
- Features: Breakfast Bar, Kitchen Island, Pantry, Stone Counters
- Level: First
- Area: 149.5 Square Feet
- Dimensions: 11.5x13
Living room
- Level: First
- Area: 231.25 Square Feet
- Dimensions: 12.5x18.5
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Convection Oven, Cooktop, Dishwasher, Disposal, Kitchen Reverse Osmosis System, Microwave, Refrigerator
- Laundry: Electric Dryer Hookup
Features
- Ceiling Fan(s), Eating Space In Kitchen, Kitchen/Family Room Combo, L Dining, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat
- Flooring: Tile
- Doors: Sliding Doors
- Windows: Blinds
- Has fireplace: No
Interior area
- Total structure area: 2,296
- Total interior livable area: 1,577 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Circular Driveway, Driveway
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Exterior features: Rain Gutters
- Has private pool: Yes
- Pool features: Heated, In Ground, Solar Cover
- Fencing: Vinyl
- Has view: Yes
- View description: Pool, Water, Canal, Gulf/Ocean - Partial
- Has water view: Yes
- Water view: Water,Canal,Gulf/Ocean - Partial
- Waterfront features: Canal Front, Waterfront, Canal - Saltwater, Saltwater Canal Access, Gulf/Ocean Access, Lift, Seawall
Lot
- Size: 6,777 Square Feet
- Features: Flood Insurance Required, FloodZone
Details
- Parcel number: 152613002.0000.00004.0
- Zoning: R4
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Concrete
- Foundation: Slab
- Roof: Shingle
Condition
- New construction: No
- Year built: 1977
Utilities & green energy
- Electric: Photovoltaics Seller Owned
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Public, Solar
Green energy
- Energy generation: Solar
Community & HOA
Community
- Features: Canal Front, Community Boat Ramp, Water Access, Waterfront, Clubhouse, Deed Restrictions, Golf Carts OK, Park
- Subdivision: FLOR A MAR
HOA
- Has HOA: Yes
- Amenities included: Other
- HOA fee: $10 monthly
- Pet fee: $0 monthly
Location
- Region: New Port Richey
Financial & listing details
- Price per square foot: $476/sqft
- Tax assessed value: $495,932
- Annual tax amount: $4,419
- Date on market: 2/4/2026
- Cumulative days on market: 5 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Road surface type: Paved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 2/4/2026 | Listed for sale | $750,000+7.9%$476/sqft |
Source: | ||
| 11/10/2025 | Listing removed | $695,000$441/sqft |
Source: | ||
| 5/29/2025 | Price change | $695,000-0.6%$441/sqft |
Source: | ||
| 5/7/2025 | Price change | $699,000-1.5%$443/sqft |
Source: | ||
| 4/28/2025 | Pending sale | $710,000$450/sqft |
Source: | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $4,420 +3.7% | $281,630 |
| 2023 | $4,261 +13.9% | $281,630 +3% |
| 2022 | $3,741 +3.9% | $273,430 +7.9% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$4,913/mo
Principal & interest
$3559
Property taxes
$1081
Other costs
$273
Climate risks
Neighborhood: Flor-A-Mar
Nearby schools
GreatSchools rating
- NAMittye P. Locke Elementary SchoolGrades: PK-5Distance: 1.4 mi
- 2/10Gulf Middle SchoolGrades: 6-8Distance: 2.7 mi
- 3/10Gulf High SchoolGrades: 9-12Distance: 1.9 mi
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