Short answer: Yes — New Port Richey homeowners who are behind on payments, facing foreclosure, or owe more than their home is worth can usually still sell, either traditionally or as a lender-approved short sale. Monica Karcz, a Florida Realtor and Senior Premier Agent with Redfin, helps New Port Richey homeowners compare those options, and her short sale attorney and title partner is based right here in New Port Richey.
“New Port Richey” covers two different things: the incorporated City of New Port Richey around downtown and the Pithlachascotee River, and a much larger area of unincorporated Pasco County that shares the mailing address. The difference matters in a sale, because permits, code enforcement and some liens come from the city in one case and from the county in the other.
What to know about selling in New Port Richey before foreclosure
City vs. county liens and permits
Title searches look for unpaid utility bills, code-enforcement fines and open permits. Inside city limits these may come from the City of New Port Richey; elsewhere from Pasco County. Unresolved liens have to be paid, released or negotiated before a short sale can close, so they should be found early.
Waterfront and canal neighborhoods
Canal communities west of US-19, such as Gulf Harbors, and homes along the Pithlachascotee River face flood-zone and storm-surge issues. Damage from the 2024 storms, flood-insurance premiums and any substantial-damage review all affect value and must be disclosed.
55+ communities and villas
New Port Richey has many 55+ and age-restricted communities, including Summertree, where Monica has listed homes. Association approval, estoppel letters and unpaid dues are part of these closings.
Older homes, practical buyers
Much of the area was built from the 1960s to the 1980s. Buyers here are often first-time buyers, retirees and investors; realistic pricing for condition is what gets a lender to approve an offer.
Courts, records and sales
New Port Richey foreclosure cases are filed in the Pasco County circuit court, part of Florida’s Sixth Judicial Circuit, with West Pasco cases commonly handled at the West Pasco Judicial Center in New Port Richey. Records are available from the Pasco County Clerk & Comptroller, and sales are held online at pasco.realforeclose.com. More in Pasco County short sale help.
Local attorney and title partner
Monica works with The Lyons Law Group, P.A., a New Port Richey law firm whose practice includes foreclosure defense, short-sale negotiation and real-estate closings. Monica handles pricing, marketing and finding a buyer; the firm handles legal work and closing. Legal advice comes from the attorney, not from Monica, and you are always free to choose your own attorney and title company.
New Port Richey neighborhoods
Downtown and the river district, Gulf Harbors and other canal communities, Jasmine Lakes, Embassy Hills, Summertree and the Little Road and US-19 corridors. For market information see New Port Richey real estate.
New Port Richey homeowner? Request a confidential consultation with Monica.
Frequently asked questions
Is my home in the City of New Port Richey or unincorporated Pasco?
Your mailing address does not tell you. Check the Pasco County Property Appraiser record for your parcel, which shows the taxing district.
Can I sell my New Port Richey home if a foreclosure case has been filed?
Generally yes, until the foreclosure sale is completed and the certificate of sale is filed. Talk with an attorney about court deadlines and start the sale as early as possible.
Can I meet with the attorney in person?
The Lyons Law Group has an office in New Port Richey. Contact the firm directly to schedule; legal consultations are between you and the law firm.
Keep reading
- Short Sale & Pre-Foreclosure Help in Tampa Bay
- Pasco County short sale help
- Holiday, FL short sale help
- Hudson, FL short sale help
- What is a lis pendens?
- New Port Richey real estate
Important: This page is general real-estate education, not legal, tax or credit advice. Monica Karcz is a Florida Realtor, not an attorney or accountant. Laws, lender programs and deadlines change and every situation is different — for legal questions talk with a Florida attorney, and for tax questions talk with a CPA or tax professional.
Sources
Laws and guidelines were reviewed in October 2026 and can change.
- Pasco County Clerk – foreclosure FAQ
- Pasco County online foreclosure sales
- Pasco County Property Appraiser
Request a Confidential Short Sale Consultation
A private, no-obligation conversation about the real-estate side of your options — a traditional sale, a lender-approved short sale, or simply understanding what comes next. Prefer to talk now? Call or text (813) 728-1400.
About Monica Karcz
Monica Karcz is a Florida Realtor and Senior Premier Agent with Redfin who has helped Tampa Bay buyers and sellers since 2012. She serves homeowners across Pasco, Pinellas, Hernando and Hillsborough Counties, including Holiday, New Port Richey, Port Richey, Hudson, Trinity, Tarpon Springs, Palm Harbor, Clearwater, Spring Hill and Wesley Chapel.
Monica assists homeowners with traditional home sales and with short-sale real-estate transactions, working alongside the homeowner’s lender, attorney and title company. She is a real-estate professional — not an attorney, accountant or financial adviser — and the information on this page is general education, not legal, tax or credit advice.
(813) 728-1400 · [email protected] · About Monica · Contact
Florida License #SL261098340 · Brokerage: Redfin Corporation, Florida License #780118
