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10654 Holgate St, New Port Richey, FL, 34654

2beds
2baths
960sqft
$169,900
$177price/sqft
$1,323/moest. monthly cost
$52,920/yrincome needed

About This Home

Move in ready! Great opportunity for some Florida country living in this country retreat near Moon Lake with this meticulously maintained 2004 doublewide home, perfectly positioned on three spacious lots along a private street—offering privacy, flexibility, and room to truly live. With NO HOA, NO flood zone, and NO CDD fees, this rare property combines freedom, security, and lifestyle in one exceptional opportunity. Inside, the home features a bright split-bedroom floor plan with 2 bedrooms, 2 full baths, cathedral ceilings, ceiling fans, and laminate flooring throughout. The home comes fully furnished, making it truly move-in ready or ideal as a seasonal retreat. The large primary suite offers an oversized walk-in closet and a private full bath with shower, creating a comfortable and functional owner’s space. Recent upgrades add long-term value and peace of mind, including a brand-new roof (2025), tankless water heater, and Maytag commercial washer and dryer. Security is top-tier with 7 installed Lorex cameras (wired for up to 16), viewable from both the in-home monitor and your phone—three featuring pan/tilt/zoom capability. You will feel safe and private in this beautiful low expense property! It is time to make it yours! Call for a showing today before it is gone!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

2/10
5/10
5/10
River Ridge High SchoolGrades PK,9-123.4 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2004

Materials

  • Foundation: Crawlspace
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home,Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range Hood,Refrigerator,Tankless Water Heater,Washer,Water Filtration System
  • Laundry features: Electric Dryer Hookup,Laundry Room,Washer Hookup

Bedroom1

  • Features: Walk-In Closet(s)
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,Open Floorplan,Split Bedroom,Thermostat,Walk-In Closet(s)
  • Window features: Window Treatments
  • Flooring: Laminate

Great Room

  • Level: First

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 960
  • Total interior livable area: 960 sqft

Kitchen

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 1625170070113000250
  • Zoning: AR
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Porch,Rear Porch
  • Exterior features: Private Mailbox
  • Fencing: Chain Link,Vinyl,Wood

Lot

  • Lot size: 0.27 Acres

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Pasco County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $859$10,308
Home Insurance *$120$1,440
Property Taxes $147$1,764
Electricity $197$2,366
Total$1,323$15,876
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,360/yr
40% on housing$39,690/yr
45% on housing$35,280/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$177This listing

vs Other Active Listings

Avg $/sqft

ZIP 34654$137
Pasco County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 34654$190
Pasco County$204

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-02Price change$179,000
2026-04-06Price change$195,000
2026-02-26Listed for sale$200,000
2026-01-28Listing removed$219,000
2025-07-24Price change$219,000
2025-06-27Listed for sale$229,000
2017-11-20Sold$35,000

For Sale by Agent

AgentJoseph Richards
BrokerageKELLER WILLIAMS TAMPA PROP.

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