$230,000
40545 STEWART ROAD, ZEPHYRHILLS, FL 33540
Beds
3
Baths
2
Sq Ft
1,512 sq ft
Year Built
2021
Lot Size
0.42 acres
Garage
,
About This Property
Short Sale. Bank-approved price! FHA appraisal at $260k! Welcome to peaceful country living in Zephyrhills, FL! This well-maintained manufactured home at 40545 Stewart Rd sits on an expansive lot that offers privacy, open outdoor space, and the freedom of NO HOA and NO CDD fees. Whether you need extra space for a boat, an RV, or a custom workshop, this property provides the flexibility that modern homeowners are looking for. Inside, the home features a bright, open-concept floor plan designed for easy daily living. The spacious kitchen serves as the heart of the home, equipped with a center island, modern cabinetry, and ample prep space—perfect for everyday meals and entertaining. Durable vinyl plank flooring runs through the living areas, leading to comfortable bedrooms and a dedicated laundry area for added convenience. Outside, the large backyard serves as a blank canvas for your outdoor projects or Florida lifestyle needs. You are located just minutes from US-301, SR-54, local shopping, and dining, offering a straightforward commute to Wesley Chapel and Tampa. Whether you are looking for a primary residence, a rental investment, or an affordable Florida home with land, this property offers great potential.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From I-75, take Exit 279 (SR 54) and head east on SR 54. Turn left onto US-301 N (Gall Blvd). Continue north to Chancey Rd and turn right. Go east on Chancey Rd, then turn right onto Stewart Rd. Continue approximately 3 miles to 40545 Stewart Rd. Property will be on the right.
Location
40545 STEWART ROAD, ZEPHYRHILLS, FL 33540
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$230,000
Loan Term
How to Buy This Home
Multiple financing options available for this $230,000 home in ZEPHYRHILLS.
🏛️
FHA Loan
$8,050 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$11,500 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Pasco County SHIP
Varies
Income-qualifying Pasco residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: October 22, 2026.