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$375,000

39628 OTIS ALLEN ROAD, ZEPHYRHILLS, FL 33540

3D Tour

Active1 days on market

Beds

Baths

Sq Ft

1,860 sq ft

Year Built

1998

Lot Size

2.17 acres

Garage

—

About This Property

Virtually Staged. Welcome to peaceful country living at 39628 Otis Allen Rd! Nestled on over 2 fully fenced acres, this 3-bedroom, 2.5-bathroom home offers the perfect blend of privacy, comfort, and endless possibilities—all just minutes from the Mirada Lagoon. Inside, you'll find an expansive open floor plan with soaring vaulted ceilings, an oversized living room with a cozy fireplace, and a spacious kitchen featuring abundant cabinetry, a center island, and ample counter space—perfect for entertaining or everyday living. The split-bedroom layout provides added privacy, while the oversized primary suite features a walk-in closet and an en-suite bath with a soaking tub and separate walk-in shower. Step outside to the covered back patio and enjoy peaceful views of your sprawling property, with plenty of room for horses, farm animals, recreational vehicles, a workshop, or future additions. Don't miss this rare opportunity to own your own private slice of paradise with room to live, grow, and play!

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #TB8525881

StatusActive

Year Built1998

Stories1

Total Rooms12

ConstructionVinyl Siding

RoofShingle

FoundationBlock

FacesNorth

SubdivisionZEPHYRHILLS COLONY CO

CountyPasco

OwnershipFee Simple

Interior Features

InteriorEating Space In Kitchen, Split Bedroom, Thermostat, Walk-In Closet(s)

FlooringCarpet, Laminate

AppliancesRange, Range Hood, Refrigerator

LaundryInside

CoolingCentral Air

HeatingCentral

FireplaceYes ()

Exterior & Lot

ExteriorPrivate Entrance

FencingFenced

Lot Size2.17 acres (94,525 sq ft)

Lot FeaturesCleared

Road SurfaceGravel, Paved

Utilities

WaterWell

SewerSeptic Tank

UtilitiesCable Available, Electricity Connected, Water Connected

Parking

GarageNo

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$375,000

Annual Taxes$1,629 (2025)

FinancingCash, Conventional, FHA, VA Loan

ZoningAR

Parcel #212536001.0003.00001.0

Schools

ElementaryWoodland Elementary-PO

MiddleCentennial Middle-PO

HighZephryhills High School-PO

Directions

Continue onto State Rd 52 E, Turn right onto US-301 S/US-98 S, Turn left onto Wire Rd, Turn left onto Otis Allen Rd, Turn right onto Froggy Ln Home Will Be on your right

Location

39628 OTIS ALLEN ROAD, ZEPHYRHILLS, FL 33540

Listing Information

Office54 REALTY LLC

ListedJuly 7, 2026

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Home Price

$375,000

Down Payment20% ($75,000)

Interest Rate6.75%

Loan Term

Principal & Interest$1,946

Property Tax (est.)$344

Insurance (est.)$150

Total Monthly$2,440

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Nearby Schools

Elementary School

Woodland Elementary-PO

View on GreatSchools →

Middle School

Centennial Middle-PO

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High School

Zephryhills High School-PO

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How to Buy This Home

Multiple financing options available for this $375,000 home in ZEPHYRHILLS.

🏛️

FHA Loan

$13,125 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

$18,750 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.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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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: July 8, 2026.