38708 9TH AVENUE, ZEPHYRHILLS, FL, 33542
Active333 days on marketListed Sep 8, 2025MLS #TB8425543
About this home
38708 9TH AVENUE
Beautiful, solid block home located within the city limits of Zephyrhills. Features a split floor plan with 2 bedrooms and 1 bath on each side, perfect for privacy or multi-generational living. Previously a duplex and could easily be converted back for rental income potential. Spacious living room with beautiful wood ceilings, updated flooring, fresh paint, and a formal dining area. New roof 2024 Hot water heater 2025 Cold A/C Fully fenced backyard with storage shed. Corner lot, conveniently located close to schools, shopping, and medical facilities. Located in the Community Redevelopment Area with grants available for qualified home buyers.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,680
Sqft
0.19 ac
Lot size
1959
Year built
One
Levels
$190
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,288 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,288/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2.7%
$/sqft vs CITY ZEPHYRHILLS
$190 vs $205
Days on market
333 vs 48 typical
Where $190/sqft sits among the 12 homes for sale in CITY ZEPHYRHILLS
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Downtown Zephyrhills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Downtown Zephyrhills — neighborhood snapshot
Population
3,883
Median age
37
Median income
$47,219
Median home value
$131,710
Avg household
3
Households w/ children
309
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Zephyrhills market
$331K → $340K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
8 of 12
CITY ZEPHYRHILLS have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% above the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38708 9TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$215,000
5527 9TH STREET · same community
4 bd · 2 ba · 1,674 sqft · $128/sqft · 33 DOM
Sold · Oct ’25$330,000
5835 & 5839 12TH STREET · same community
3 bd · 2 ba · 1,536 sqft · $215/sqft · 6 DOM
Sold · May ’26$300,000
38145 7TH STREET · same community
4 bd · 2 ba · 1,911 sqft · $157/sqft · 242 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 38708 9TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38708 9TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
38708 9TH AVENUE FAQs
What would the monthly payment be for 38708 9TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,288/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 38708 9TH AVENUE?+
The most recent tax bill on record (2024) was $1,236. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Zephyrhills?+
At $320,000, this home is listed about 2% below the Zephyrhills median of $324,990. The market section on this page shows how the area is trending.
Which schools are assigned to 38708 9TH AVENUE?+
Raymond B. Stewart Middle School (middle), Zephyrhills High School (high), Woodland Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$320,000 runs 83% above the ZEPHYRHILLS 33542 median.
02Time on market is leverage
333 days on market against a Zephyrhills median of 48 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $350,000, now $320,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BREWER REALTY · Christy Brewer. MLS #TB8425543.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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