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12021 FERN TERRACE COURT, New Port Richey, FL, 34655

3beds
2baths
2,032sqft
$395,000
$194price/sqft
$2,979/moest. monthly cost
$119,160/yrincome needed

About This Home

WELCOME TO THIS WONDERFUL POND FRONT HOME LOCATED ON A QUIET CUL DE SAC IN THE SOUGHT AFTER 55+ COMMUNITY OF HERITAGE SPRINGS. THIS HOME HAS AN INCREDIBLE FLOOR PLAN AND WAS RECENTLY REFRESHED WITH NEW CARPETS AND INTERIOR PAINT. IT FEATURES 3 BEDROOMS, 2 FULL BATHROOMS, A SEPARATE STUDY, 2 CAR GARAGE AND A HUGE EXTENDED LANAI. THIS VILLAGE ALSO PROVIDES LAWN MAINTENANCE, SPRINKLERS AND EXTERIOR PAINTING EVERY SIX YEARS. UPON ENTERING THIS HOME YOUR EYES ARE IMMEDIATELY BE DRAWN UPWARD TO THE SOARING CEILINGS WHICH EXTEND DOWN THROUGH THE FORMAL LIVING AND DINING ROOMS TO THE EAT IN KITCHEN AND FAMILY ROOM. THE WELL DESIGNED KITCHEN OFFERS AN ISLAND, WOOD CABINETS, A PANTRY AND BUILT IN DESK AREA. THE FAMILY ROOM HAS THE SLIDING DOORS TO THE LANAI WHICH WILL PROVIDE STUNNING VIEWS OF THE POND AND NATURE. IT SHOULD BE NOTED THAT THE ORIGINAL LANAI (10’X14.5’) WAS EXTENDED AN ADDITIONAL 9.6’ X 25.4 FEET DURING CONSTRUCTION TO PROVIDE A ONE OF A KIND OUTDOOR RETREAT. THE PRIMARY SUITE BOASTS A VAULTED CEILING, A PRIVATE ENSUITE BATHROOM WITH GARDEN TUB, AND AN EXTRA LARGE WALK IN SHOWER AND DUAL SINKS. THERE IS AN ATTACHED PRIVATE STUDY WHICH CAN BE USED AS A OFFICE, TV ROOM OR A HOBBY ROOM. THE TWO SECONDARY BEDROOMS AND BATHROOM ARE LOCATED ON A SEPARATE WING OFFERING PRIVACY FOR GUESTS. HERITAGE SPRINGS IS A WONDERFUL ACTIVE AGE RESTRICTED COMMUNITY WHICH PROVIDES FOR ALL YOUR FUN TIME ACTIVITIES. ITS GRAND CLUBHOUSE FEATURES A RESTAURANT, BAR, A BALLROOM, CLUB AND GAME ROOMS AND A STUNNING COMMUNITY POOL AND SPA. THE COMMUNITY GOLF COURSE AND DRIVING RANGE ARE ABSOLUTELY STUNNING. THERE ARE ALSO TENNIS COURTS, BASKETBALL COURT, BOCCI AND LOTS OF SCENIC WALK WAYS AND BENCHES THROUGH OUT THIS WONDERFUL COMMUNITY. THE COMMUNITY’S SUPERB LOCATION ALSO PROVIDES EASY ACCESS TO MAIN ROADS, AIRPORTS, HOSPITALS, MALLS AND SHOPPING.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

9/10
Trinity Elementary SchoolGrades PK-51.4 mi
8/10
7/10

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Laundry Room

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 170.64
  • Dimensions: 15.8x10.8

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 140.08
  • Dimensions: 13.6x10.3

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Family Room

  • Features: No Closet
  • Level: First
  • Area: 210
  • Dimensions: 15x14

Features

  • Eating Space In Kitchen,Kitchen/Family Room Combo,Living Room/Dining Room Combo,Primary Bedroom Main Floor,Solid Surface Counters,Solid Wood Cabinets,Split Bedroom,Thermostat,Vaulted Ceiling(s),Walk-In Closet(s)
  • Door features: Sliding Doors
  • Window features: Window Treatments
  • Flooring: Carpet,Ceramic Tile

Great Room

  • Features: No Closet
  • Level: First
  • Area: 315
  • Dimensions: 21x15

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,973
  • Total interior livable area: 2,032 sqft

Kitchen

  • Features: Pantry,No Closet
  • Level: First
  • Area: 114.4
  • Dimensions: 10.4x11

Primary Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Area: 214.4
  • Dimensions: 16x13.4

Property

Details

  • Parcel number: 172633006.0000.00003.0
  • Zoning: MPUD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: Gunite,Heated,In Ground
  • Patio & porch: Covered,Screened
  • Exterior features: Irrigation System,Private Entrance,Private Mailbox
  • Has spa: Yes
  • Spa features: Heated,In Ground
  • Has view: Yes
  • View description: Water,Pond
  • Has water view: Yes
  • Water view: Water,Pond
  • On waterfront: Yes
  • Waterfront features: Canal - Freshwater,Pond Access

Lot

  • Lot size: 9,869 sqft
  • Features: Cul-De-Sac,In County,Near Golf Course,Private
  • Lot size dimensions: 36’ x 137’ x 130’ x 120'

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Inland Flooding
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 $1,997$23,964
Home Insurance *$217$2,604
Property Taxes $561$6,732
Electricity $204$2,453
Total$2,979$35,748
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,137/yr
40% on housing$89,370/yr
45% on housing$79,440/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

$194This listing

vs Other Active Listings

Avg $/sqft

ZIP 34655$159
Pasco County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 34655$215
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
2026-08-01Listed for sale$395,000
2005-03-28Sold$218,021

For Sale by Agent

AgentClaire Winhoffer
BrokerageCOLDWELL BANKER REALTY

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