39518 STERLING DRIVE, ZEPHYRHILLS, FL, 33542
Active39 days on marketListed Jun 25, 2026MLS #A4698106
About this home
39518 STERLING DRIVE
Enjoy Florida living in this charming 2 bedroom/ 2 bath home. This property offers both comfort and convenience, ideal for those looking for an affordable home with great storage. The home features a spacious living room & dining area seamlessly connected to the kitchen. There is ample storage throughout, including a large 12x20 laundry/bonus room (so you wont need a storage unit), plus an 8x12 shed. Enjoy the 12x14 screened-in lanai, perfect for socializing and relaxing. The home has a newer roof, laminate flooring, central air conditioning, and sits on a larger than average lot in this 55+community. Rent includes yard maintenance, water & sewer.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
848
Sqft
0.18 ac
Lot size
1978
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$170 /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
$170/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $170
Days on market
39 vs 44 typical
Where $2/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 Gem Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Gem Estates — neighborhood snapshot
Population
434
Median age
67
Median income
$49,474
Median home value
$63,300
Avg household
2
Households w/ children
14%
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
$310K → $350K
Zephyrhills median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
202 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 99% below the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 39518 STERLING DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$95,000
39613 STERLING DRIVE · same community
2 bd · 2 ba · 896 sqft · $106/sqft · 138 DOM
Sold · Aug ’25$143,000
39652 ELGIN DRIVE · same community
3 bd · 2 ba · 960 sqft · $149/sqft · 115 DOM
Sold · Apr ’26$85,000
39612 STERLING DRIVE · same community
2 bd · 1.5 ba · 672 sqft · $126/sqft · 47 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 39518 STERLING DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39518 STERLING DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
39518 STERLING DRIVE FAQs
What would the monthly payment be for 39518 STERLING DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $170/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 39518 STERLING DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Pet Deposit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Zephyrhills?+
At $1,400, this home is listed about 100% below the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 39518 STERLING DRIVE?+
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
01Under the ZEPHYRHILLS 33542 market on paper
$1,400 is 99% below the ZEPHYRHILLS 33542 median of $175,000, and at $2/sqft it sits under the Zephyrhills average of $177.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $1,500, now $1,400 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW SUNCOAST · Kym Paxton. MLS #A4698106.
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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