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12120 Carver Ave, New Port Richey, FL, 34654

$219/sqft·Moon Lake Estates

3 bd3 ba2,094 sqft2 car garageSingle Family
Listed by CHARLES RUTENBERG REALTY INC· Last updated · MLS# W7888668

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Est. monthly payment
$2,812/mo
Down payment (20%)
$91,800
Property taxes
$188/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1981
Waterfront
Lake Front
2 car garage
Bath In Garage
0.37 acres
Lot size
2,094 sqft
Living area

About this home

Ceiling Fans(s)BalconyDishwasherRangeRefrigerator

12120 Carver Ave is a 1981-built home in Moon Lake Estates, New Port Richey. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,094 square feet of living space. Listed at $459,000 (about $219/sqft), 12 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Escape to your own private waterfront sanctuary on the ski-friendly waters of Moon Lake, a deep 100 acre approx, spring fed natural recreation lake! SKI, SWIM, BOAT, & FiISH!! This stunning home has 79 ft of lake frontage and is nestled under a breathtaking, mature canopy of old-growth trees. This unique .37-acre property offers the perfect blend of "Old Florida" beauty and massive modern advantages. Spanning an impressive 2,100 square feet, as well as an additional 900 square feet of enclosed dual patios, this spacious home was intentionally designed to showcase its location, offering stunning, unobstructed panoramic views of the water and nature from almost every single room. THE ULTIMATE PROPERTY CHECKLIST: Flood Zone X: Extremely rare for direct waterfront! Enjoy premium peace of mind with NO lender-mandated flood insurance required. No HOA or CDD Fees All the expensive upgrades were completed approx. 6 years ago, including a newer roof, HVAC system, energy-efficient windows and doors, and an updated septic drain field. All appliances are within 4 years old. Step outside to your expansive backyard and follow the path to a massive 70-foot private dock. While the dock is ready for fresh timber and your personal finishing touches, the rare grandfathered footprint is entirely intact—giving you the ultimate launchpad for fishing, boating, or catching vibrant Florida sunsets! Properties with this combination of square footage, premium open lake views, 2 kitchens and low-cost insurance profiles are nearly impossible to find. Easy commute to Tampa and Clearwater! Schedule your private tour today and start living the lake life you’ve been dreaming of!

The essentials

Built
1981
Price / sqft
$219
On market
23 days
Annual tax
$2,258
Flood zone
X · Low risk
Lot
16,096 sqft
Type
Single Family Residence

Location

12120 Carver Ave
New Port Richey, FL, 34654·34654 - New Port Richey
Type
Single Family Residence
Year Built
1981
Lot
16,096 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Bath In Garage
Waterfront
Lake Front
Days on Market
23
Ceiling Fans(s)
Balcony
Dishwasher
Range
Refrigerator

Elementary

Cypress Elementary-PO

Middle

River Ridge Middle-PO

High

River Ridge High-PO

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$2,258

Parcel #

17-25-28-017.0-268.00-001.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Moon Lake Estates

County

Pasco

MLS Area

34654 - New Port Richey

Lot Size

16,096 sqft

Street Dead-EndPaved
Date
Event
Price
8/28/2026
Price change
Source: Stellar MLS #W7888668
$459,000-2.1%
$219/sqft
8/19/2026
Listed for sale
Source: Stellar MLS #W7888668
$469,000
$224/sqft
Est. monthly payment$2,812/mo
Principal & interest$2,394
Property taxes$188
Insurance$230
Down payment20% · $91,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $459,000
$452,500 – $459,000
98.3% – 100% of listTops out right at the list price
80% of listList price
52 of the last 102 home closings in 34654 landed at this number or higher (51%). The median one sat 44 days before it went under contract, and this one is on day 23 after a $10,000 cut.

Sample: 102 closed home sales in 34654 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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