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$499,900

38190 SHALE STONE COURT, ZEPHYRHILLS, FL 33540

3D Tour
Active77 days on market

Beds

5

Baths

4

Sq Ft

3,761 sq ft

Year Built

2023

Lot Size

0.15 acres

Garage

2

About This Property

STUNNING & HIGHLY SOUGHT-AFTER M/I HOMES MIRA LAGO FLOOR PLAN! WATERFRONT! TWO PRIMARY SUITES! Welcome to this meticulously maintained, like-new home loaded with premium upgrades and situated on a gorgeous private waterfront cul-de-sac homesite in the highly desirable Cobblestone community. This stunning M/I Homes Mira Lago floor plan offers approximately 3,761 square feet of luxurious living space with 5 bedrooms, 4 full bathrooms, a spacious bonus room, and an oversized 2-car garage, providing the perfect blend of elegance, comfort, and functionality. The Mira Lago is one of M/I Homes' most popular floor plans, known for its spacious open-concept design and flexible living spaces. A beautiful brick-paver driveway and walkway lead to the impressive front entrance. Step inside the grand foyer featuring soaring ceilings and beautiful tile flooring throughout most of the first floor. The formal dining room is ideal for hosting family gatherings and dinner parties. The chef-inspired kitchen is truly the heart of the home, showcasing extended 42-inch stacked cabinetry with crown molding, upgraded stainless steel appliances, a custom canopy range hood, built-in wall oven, cooktop, granite countertops, oversized island, custom pantry, breakfast bar, upgraded lighting, and a spacious casual dining area. The expansive family room is perfect for entertaining and features oversized sliding glass doors that open to the covered lanai, creating seamless indoor-outdoor living. Relax while enjoying breathtaking sunset views overlooking the peaceful water and conservation area. The large backyard offers plenty of space for outdoor entertaining, barbecues, and family gatherings. Need a private space for In-Laws, extended family or guests? The first floor features one of two luxurious primary suites, complete with a large walk-in closet and a beautifully appointed en-suite bathroom featuring dual vanities and a spacious walk-in shower. Upstairs, you'll find the impressive owner's retreat with another large walk-in closet and an upgraded spa-inspired bathroom offering dual granite vanities with a dedicated makeup area and an oversized walk-in shower finished with designer tile. Additional spacious secondary bedrooms share a full bathroom, while the enormous bonus room provides endless possibilities as a game room, media room, home theater, fitness room, or playroom. Residents of Cobblestone enjoy outstanding community amenities, including a resort-style pool, playground, park, and green spaces, all conveniently located near SR 56, SR 54, US-301, shopping, dining, hospitals, golf courses, The Shops at Wiregrass, Tampa Premium Outlets, KRATE at the Grove, Tampa International Airport, downtown Tampa, and top-rated schools. This exceptional home truly has it all and is a must-see! Schedule your private showing today before this incredible opportunity is gone!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8535940
StatusActive
Year Built2023
Stories2
Total Rooms9
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionCOBBLESTONE
CountyPasco
OwnershipFee Simple

Interior Features

InteriorHigh Ceilings, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, PrimaryBedroom Upstairs, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
FlooringCarpet, Tile
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Microwave, Range Hood, Refrigerator, Washer
LaundryInside
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorSidewalk, Sliding Doors
Lot Size0.15 acres (6,738 sq ft)
Lot FeaturesConservation Area, Cul-De-Sac, Oversized Lot, Private
Road SurfacePaved, Asphalt
ViewWater
0

Waterfront

WaterfrontYes
FeaturesPond

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesPublic

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$160 / Annually
Senior CommunityNo

Financial Details

List Price$499,900
Original Price$525,000
Annual Taxes$10,959 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningMPUD
Parcel #2626210060000002590

Schools

ElementaryChester W Taylor Elemen-PO
MiddleRaymond B Stewart Middle-PO
HighZephryhills High School-PO

Directions

State Rd 56, LEFT on 301, RIGHT on Cobble Creek Blvd

Location

38190 SHALE STONE COURT, ZEPHYRHILLS, FL 33540

Listing Information

OfficeSIGNATURE REALTY ASSOCIATES
ListedAugust 5, 2026

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Scheduling is free, and you can cancel anytime.

Home Price

$499,900

20% ($99,980)
6.75%

Loan Term

Principal & Interest$2,594
Property Tax (est.)$458
Insurance (est.)$150
Total Monthly$3,202
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $499,900 home in ZEPHYRHILLS.

🏛️

FHA Loan

$17,497 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

$24,995 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 21, 2026.

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