$265,000
38611 FERM CIRCLE, ZEPHYRHILLS, FL 33540
Beds
2
Baths
2
Sq Ft
1,115 sq ft
Year Built
1985
Lot Size
0.26 acres
Garage
2
About This Property
***ELIGIBLE FOR 100% USDA FINANCING*** Looking for an AFFORDABLE place to call home with room to spread out and the freedom to make it your own? Welcome to FERM CIRCLE, tucked away in a sidewalk lined traditional neighborhood with NO THROUGH TRAFFIC and conveniently close to major shopping centers, restaurants, and medical offices. This well-maintained, solid concrete block home offers a NEWER ROOF (2019), and a spacious TWO-CAR GARAGE. The practical SPLIT-BEDROOM layout features an UPDATED KITCHEN with SOLID WOOD CABINETS and a huge primary suite with a surprising amount of flex space that could host your home office or exercise equipment. Step outside to discover a spacious QUARTER ACRE LOT with a FENCED BACK YARD and SCREENED PATIO; perfect for relaxing outdoors, gardening, entertaining, or simply enjoying your own private space. Enjoy the everyday freedom of NO HOA OR CDD. You’re welcome to park your RV or boat here and bring the pets with you too! The utilities at the home include HIGH SPEED INTERNET public water, and PRIVATE SEPTIC which helps keep monthly costs down. Beyond your front door, discover why Zephyrhills continues to attract those seeking small-town charm with modern conveniences. This growing community takes pride in its welcoming atmosphere, with public gathering spaces like Zephyr Park, Hercules Park, and Depot Park. The historic downtown is a lively, walkable district featuring local parades, pop-up markets, and seasonal celebrations. Located within the A-rated Pasco County School District, this home puts you in a DESIRABLE LOCATION where everyday errands are convenient and community connections are easy to find. Whether you're buying your first home, downsizing, or simply looking for an AFFORDABLE opportunity to enjoy the Zephyrhills lifestyle, this home offers a wonderful place to put down roots and make it your own. Call today to schedule your personal tour!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From I-75 and SR 54, head East on SR 54. Turn North (Left) onto Eiland Blvd / County Hwy-54. Turn North (left) onto US-301 N / Gall Blvd. Turn East (right) onto Daughtery Rd. Turn North (left) onto Wire Rd. Turn East (right) onto Ferm Circle.
Location
38611 FERM CIRCLE, ZEPHYRHILLS, FL 33540
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$265,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $265,000 home in ZEPHYRHILLS.
🏛️
FHA Loan
$9,275 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
$13,250 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 17, 2026.