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$450,000

39800 COUNTY ROAD 54, ZEPHYRHILLS, FL 33542

3D Tour
Active1 days on market

Beds

3

Baths

2

Sq Ft

1,586 sq ft

Year Built

1970

Lot Size

1.09 acres

Garage

4

About This Property

Virtually Staged. Welcome to Your Florida Home! Picture this: you pull in drive through your own private road to your home. In the back you see your toys and RV under their own covered carport, the RV has its own powered spot, and the only thing you hear is the breeze through the mature trees. Welcome to Zephyrhills, where this 3-bed, 2-bath block home sits on a fully fenced acre with space for everything you've been wanting. Outside is where this property shines: A full pool, ready for Florida afternoons Powered car and RV ports Two detached garages with power, for a workshop, hobby space, storage, or the toys Open, cleared entrance lined with mature trees Fully fenced for privacy and flexibility Inside, you get a solid canvas. Block construction, oversized bedrooms (rare in newer homes), and double-pane windows give you a strong foundation to make it your own design. The roof was replaced in 2012 and the AC in 2014, both in working order with no known leaks. You can put your money into the finishes you want instead of the big-ticket items. The numbers make it easier to say yes: No HOA and no CDD fees. Flood Zone X. 1,586 sq ft. 2 detached powered structures totaling 1,292 sq ft. 1 acre You're close to shops, schools, and parks, with easy access to Tampa and Wesley Chapel. Multiple down payment assistance programs may be available, and eligibility varies by buyer, so ask me whether you qualify. Properties with this much land, this much covered parking, and no HOA don't come around often. Book your private showing today and see what you could build here.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8555314
StatusActive
Year Built1970
Stories1
Total Rooms5
ConstructionBlock, Brick
RoofShingle
FoundationSlab
FacesNorth
SubdivisionZEPHYRHILLS COLONY CO
CountyPasco
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Primary Bedroom Main Floor, Thermostat
FlooringCarpet, Ceramic Tile
AppliancesElectric Water Heater, Range, Refrigerator
LaundryElectric Dryer Hookup, In Garage, Washer Hookup
WindowsDouble Pane Windows
CoolingCentral Air
HeatingElectric

Exterior & Lot

ExteriorPrivate Entrance, RV Hookup
FencingVinyl
Other StructuresFinished RV Port, Other
Lot Size1.09 acres (47,718 sq ft)
Lot FeaturesCleared
Road SurfaceAsphalt, Paved

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground

Utilities

WaterWell
SewerSeptic Tank
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected

Parking

GarageYes (4 spaces)
CarportYes

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$450,000
Annual Taxes$3,068 (2025)
FinancingCash, Conventional, FHA, FHA / 203K, USDA Loan, VA Loan
ZoningAR
Parcel #2126010010066000000

Schools

ElementaryWoodland Elementary-PO
MiddleRaymond B Stewart Middle-PO
HighZephryhills High School-PO

Directions

From I75 take the exit for CR 54 and go east on 54 for about 15 miles. The home is on the right. From SR 98, take CR 54 west for about 7 miles, the house is on the left.

Location

39800 COUNTY ROAD 54, ZEPHYRHILLS, FL 33542

Listing Information

OfficeEXP REALTY LLC
ListedOctober 6, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$450,000

20% ($90,000)
6.75%

Loan Term

Principal & Interest$2,335
Property Tax (est.)$413
Insurance (est.)$150
Total Monthly$2,897
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $450,000 home in ZEPHYRHILLS.

🏛️

FHA Loan

$15,750 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

$22,500 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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 7, 2026.

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