7912 MERCHANTVILLE CIRCLE, ZEPHYRHILLS, FL, 33540
Active15 days on marketListed Jul 24, 2026MLS #O6427851
About this home
7912 MERCHANTVILLE CIRCLE
Virtually Staged. Don't miss this inviting 1-story home featuring 3 bedrooms, 2 bathrooms, and a 2-car garage with a bright, open floor plan designed for comfortable everyday living and entertaining. The spacious living and dining areas flow seamlessly into the kitchen, featuring a breakfast bar and new countertops. New flooring throughout most of the home and fresh interior paint create a clean, refreshed feel. Both bathrooms have also been updated with new countertops. Step outside to the back porch, perfect for relaxing outdoors. Conveniently located near Downtown Zephyrhills, shopping, dining, SR 54, and just a short drive to Wesley Chapel and Tampa Premium Outlets. One or more photos may have been virtually staged, AI-generated, or digitally enhanced to illustrate the property's potential.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,658
Sqft
0.14 ac
Lot size
2
Garage
2005
Year built
One
Levels
$178
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 and the real association fee — not generic estimates.
$2,571 /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
$2,571/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
+0.9%
$/sqft vs Zephyrhills actives
$178 vs $175
Days on market
15 vs 48 typical
Where $178/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 Crestview Hills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Crestview Hills — neighborhood snapshot
Population
517
Median age
45
Median income
$64,081
Median home value
$183,000
Avg household
3
Households w/ children
33%
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)
188 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 11% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 7912 MERCHANTVILLE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$287,900
7530 JENO STREET · same community
4 bd · 2 ba · 1,564 sqft · $184/sqft · 134 DOM
Sold · Oct ’25$300,000
7939 MERCHANTVILLE CIRCLE · same community
4 bd · 2 ba · 1,564 sqft · $192/sqft · 152 DOM
Sold · Oct ’25$315,000
7936 MERCHANTVILLE CIRCLE · same community
4 bd · 2 ba · 1,756 sqft · $179/sqft · 5 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 7912 MERCHANTVILLE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7912 MERCHANTVILLE CIRCLE — 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
7912 MERCHANTVILLE CIRCLE FAQs
What would the monthly payment be for 7912 MERCHANTVILLE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,571/mo — principal and interest, the actual property-tax bill, the $53/mo association fee 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.
How much are the HOA fees at 7912 MERCHANTVILLE CIRCLE?+
The association fee works out to $53 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7912 MERCHANTVILLE CIRCLE?+
The most recent tax bill on record (2025) was $5,891. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 7912 MERCHANTVILLE CIRCLE?+
The listing reports pets: Yes. 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 $295,000, this home is listed about 9% below the Zephyrhills median of $324,495. The market section on this page shows how the area is trending.
Which schools are assigned to 7912 MERCHANTVILLE CIRCLE?+
Zephyrhills High School (high), Woodland Elementary School (elementary), Centennial Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MAINSTAY BROKERAGE LLC · Eva Hockenberry. MLS #O6427851.
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.
Never miss a listing
New Zephyrhills homes, in your inbox
Like 7912 MERCHANTVILLE CIRCLE but not quite? A daily digest of every new listing in Zephyrhills — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →