4851 16TH STREET, ZEPHYRHILLS, FL, 33542
Active36 days on marketListed Jul 1, 2026MLS #TB8524857
About this home
4851 16TH STREET
Investor Opportunity! Add a strong income-producing property to your portfolio with this solid block duplex offering exceptionally spacious units that are highly desirable to tenants. The property features a 3-bedroom, 2-bath unit of approximately 1,200 square feet and a 2-bedroom, 1-bath unit of approximately 980 square feet. The 3-bedroom unit was extensively renovated in 2025 and showcases luxury plank flooring throughout, updated bathroom vanities, a beautifully remodeled kitchen with quartz countertops, new cabinetry, and stainless steel appliances. The 2-bedroom unit offers a combination of plank and tile flooring while retaining its original kitchen cabinets and bathroom vanities, providing an opportunity for future value-add improvements. Each unit is separately metered, allowing tenants to pay their own utilities and helping keep operating expenses low. The property also offers ample off-street parking for residents and guests. Currently generating nearly $3,000 per month in rental income, this duplex is an excellent investment whether you choose to live in one unit while renting the other or lease both units to maximize cash flow. Please do not disturb the tenants. Showings are by appointment only.
Facts & features
The home at a glance
5
Bedrooms
2,112
Sqft
0.15 ac
Lot size
1986
Year built
One
Levels
$168
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.
$2,869 /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
$2,869/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.
$/sqft vs Zephyrhills actives
$168 vs $176
Days on market
36 vs 47 typical
Where $168/sqft sits among the 400 Zephyrhills actives
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 Moores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Moores — neighborhood snapshot
Population
946
Median age
46
Median income
$39,988
Median home value
$93,209
Avg household
2
Households w/ children
91%
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)
185 of 400
Zephyrhills actives have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 103% above the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 4851 16TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$230,000
4824 16TH STREET · same community
2 bd · 1.5 ba · 912 sqft · $252/sqft · 118 DOM
Sold · Oct ’25$254,000
4537 THORNTON DRIVE
4 bd · 2 ba · 2,052 sqft · $124/sqft · 50 DOM
Sold · May ’26$300,000
38145 7TH STREET
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 4851 16TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4851 16TH STREET — 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
4851 16TH STREET FAQs
What would the monthly payment be for 4851 16TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,869/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 4851 16TH STREET?+
The most recent tax bill on record (2025) was $5,540. 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 $355,000, this home is listed about 11% above the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4851 16TH STREET?+
Raymond B. Stewart Middle School (middle), West Zephyrhills Elementary School (elementary), Zephyrhills High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of PHILLIP SCOTT MANAGEMENT & INV · Damian Kondrotas. MLS #TB8524857.
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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