One or more photo(s) has been virtually staged. EXCEPTIONAL VALUE - REDUCED on 5/12/26 AND PRICED APPROXIMATELY $85,000 UNDER October 2025 APPRAISAL VALUE! Discover this rare ELEVATED WATERFRONT property with NO HOA on an OVERSIZED LOT in the heart of New Port Richey where you can enjoy GOLF-CART access to downtown shops and dining. FLOOD INSURANCE IS TRANSFERABLE and is ONLY $1248 per year! Built in 2007, this charming 2-bedroom, 2-bath RIVERFRONT WITH DIRECT GULF ACCESS home with a flexible office/bonus room is located just a few blocks from HISTORIC DOWNTOWN New Port Richey and Sims Park. Experience the CONVENIENCE of DOWNTOWN LIVING - less than ¼ mile to dining and shops. This property combines classic character with modern upgrades, featuring stunning HARDWOOD FLOORS, RICH CUSTOM SOLID WOOD TRIM and crown molding, and soaring ceilings. The owners have completed numerous upgrades and enhancements, including HURRICANE WINDOWS AND DOORS, custom wood blinds, custom wood trim throughout, a TANKLESS WATER HEATER, and a GENERAC whole-house generator. The spacious primary suite offers two walk-in closets, a luxurious bath with a garden tub and oversized walk-in shower. The well-appointed kitchen boasts stainless steel appliances, ample storage, and beautiful wood cabinets and wood countertops. The expansive living room features a gas fireplace with an elegant mantle, high ceilings, and rich custom wood trim. Relax on the large COVERED DECK overlooking the water, where you can often spot dolphins and manatees passing by or take a boat or jet ski out to the Gulf! Also, there is a spacious 2-car CARPORT with potential to enclose for a future garage! This home offers the perfect balance of relaxation and recreation. Ideally located just blocks from Sims Park, a waterfront park with playgrounds, an amphitheater, and community events-this home also provides quick access to downtown shops, restaurants, and hospitals. With its waterfront setting, proximity to downtown activities, festivals, and parks, this property may have POTENTIAL FOR SHORT TERM RENTAL USE. Conveniently located just 33 miles from Tampa International Airport, this property offers easy access for travel. It's also only 26 miles from world-famous Clearwater Beach, perfect for enjoying sun and sand. Outdoor enthusiasts will appreciate being just 19 miles from Honeymoon Island State Park, known for its pristine beaches, hiking trails, and birdwatching. New Port Richey has blossomed in recent years, offering a vibrant mix of festivals, concerts, farmers markets, and community gatherings, along with a popular Aquatic Center featuring pools, water slides, and swim programs for all ages. Experience true Florida waterfront living with DIRECT RIVER and GULF ACCESS and endless opportunities to enjoy life on the water, all while being just moments from the lively downtown New Port Richey scene filled with shops, dining, and entertainment.