Virtually Staged. 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!
Single-familyProperty Type
1977Year Built
6,777 sq ftLot Size
$460Price/Sq.Ft.
$10/moHOA Dues
2 car garageParking
Listed by Jakea Cates• KELLER WILLIAMS REALTY- PALM HARBOR
Listed by Bayley Merila• KELLER WILLIAMS REALTY- PALM HARBOR
Flor-a-mar, located between the Gulf of Mexico and the Pithlachascotee River, is a waterfront and residential New Port Richey neighborhood with canal-lined streets and a laid-back coastal feel. The neighborhood’s character concentrates around the U.S. 19 and Flor-a-Mar Terrace corridor, where marinas, bait-and-tackle counters, and dockside bars set a salt-air rhythm. Low-slung Florida ranch homes and stilted canal houses frame boat lifts, seawalls, and pocket docks. Days tend to orbit around the water, from quick runs to open Gulf flats to sunset views over the mangroves. Nearby, Whiskey Joe’s Bar & Grill, Catches Waterfront Grille, and Gill Dawg Tiki Bar & Grill act as familiar gathering spots. The shoreline geography keeps the pace unhurried and the views wide.
Provided by Walk Score and Local Logic
Property details
Interior
Exterior
Finance
Kitchen
Bathroom
Bedroom
Living
Dining
Interior features
Ceiling fans
Eat-in kitchen
Kitchen/family room combo
Dining area
Living room/dining room combo
Open floorplan
Solid wood cabinets
Split bedroom layout
Stone countertops
Thermostat
Blinds on windows
Bedrooms
3 bedrooms
Bathrooms
2 full bathrooms
Kitchen
Convection oven
Cooktop
Dishwasher
Garbage disposal
Reverse osmosis water system
Microwave
Refrigerator
Laundry & utility
Electric dryer hookup
Flooring
Tile flooring
Heating & cooling
Central heating
Central air conditioning
Exterior features
Rain gutters
Sliding doors
Vinyl fencing
Private maintained paved road
Flood zone (flood insurance required)
Home design
Single-family residence
One story
South-facing
Parking
Circular driveway
Driveway
Attached 2-car garage
Construction
Concrete construction
Shingle roof
Slab foundation
Built with living and total building areas listed in public records
Utilities
Public water
Public sewer
Public utilities
Outdoor amenities
Private in-ground heated pool with solar cover (approx. 28 x 11')
Seawall (concrete)
Boat lift
Canal saltwater frontage (68')
Canal and partial gulf/ocean views
Water access to canal and gulf/ocean
HOA & community
Has HOA (optional fees)
HOA fees $125 annually ($10.42 monthly equivalent)
Community clubhouse
Deed restrictions
Parks
Golf carts allowed
Pets allowed
Other
Homestead exempt
Zoned R4
No lease restrictions
Solar energy generation
Electricity and solar
View estimated energy costs and solar savings for this home
The purpose of the R-4 High Density Residential District is to encourage the orderly development and preservation of higher density residential environments and to provide areas in which economies of high density residential development may be achieved without sacrificing the individualized nature of the single-family residence.
Permitted uses
Include but are not limited to:
Garden center
Housing-Single unit
Educational/school
Jan 27, 2026 • Active
Residential electrical
Replace the existing meter can with a new meter can and emergency disconnect combination panel.
Electrical
Electric meter
Permit history is from public records and may be incomplete or inaccurate. Redfin and its agents make no representations about the property condition or permit status. Buyers should independently verify all information.
Climate risks
9/10 Flood Factor
Estimated 80%+ chance of a flood reaching the building in the next 30 years
2/10 Fire Factor
0.00% chance of being in a wildfire in next 30 years
10/10 Heat Factor
7 days above 109° expected this year, 27 days in 30 years
10/10 Wind Factor
99% chance of strong winds in next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
New Port Richey, FL • 34652
Average low and high temperatures (°F)
65
49
70
54
76
60
81
66
87
73
89
76
90
77
89
78
88
75
82
68
77
61
71
55
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
93/ 100
Exceptional sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
9.3 hrs
6.4 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 3939 Rudder Way
We cannot show automated home-value estimates for this home.
Nearby homes have recently sold between $500,000 and $670,000.
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $500K to $670K.