
7427 20TH STREET, ZEPHYRHILLS, FL, 33540
Active411 days on marketListed Jun 20, 2025MLS #TB8398424
About this home
7427 20TH STREET
A private tropical retreat set on 1.96 carefully manicured acres, this 5 bedroom, 4 bathroom pool home offers the ultimate in flexibility, privacy, and style, including a full 1 bedroom in-law suite with its own kitchen, living room, private entry, and pool access. Behind the gated entry, a long driveway leads you through lush Florida landscaping to the classic covered front porch, a warm and inviting welcome to this spacious 4,242 sq ft estate. Inside, you're greeted by a dramatic two-story foyer featuring decorative tile work and elegant stair railings. The main living areas are open and thoughtfully designed, with architectural archways, crown molding, built-in speakers, and elevated lighting fixtures throughout. French doors in the generous living room lead to the screened lanai, and the space offers clear views of the pristine eat-in kitchen, complete with stunning wood cabinetry, granite countertops, stainless steel appliances, a center island, and a cooktop accompanied by a custom range hood. Dining and entertaining here is effortless, with a sunny eat-in dinette, breakfast bar seating, and a formal dining room positioned near the front of the home. The first floor hosts two bedrooms and two full bathrooms, including a spacious guest bedroom with access to a full Jack-and-Jill bathroom, as well as an oversized peaceful primary suite offering pool views, private lanai access, a massive walk-in closet with custom organizers, and a luxurious ensuite bath with dual sinks and a custom walk-in shower featuring multiple showerheads, bench seating, and a glass enclosure. Upstairs, the home continues to impress with two additional generously sized bedrooms, a full guest bathroom, and a dedicated storage room for added functionality. The private in-law suite enhances the home's versatility- perfect for multigenerational living, long- term guests, or rental income opportunities. This self-contained space includes a full kitchen, living area, bedroom, full bathroom with direct pool access, and three private entrances: one through the garage, one from a separate covered front porch, and one from the pool deck. Its own dedicated laundry setup in the garage adds even more independence. Step outside to a massive screened pool deck finished in pavers and bordered by tranquil wooded views. Two storage sheds sit neatly on the property, and the welcomed shade from mature trees makes outdoor living as comfortable as it is scenic. With an additional 1,823 sq ft of open porch space, there's no shortage of spots to relax and enjoy the meticulously maintained landscape. This is a truly special opportunity to own a sprawling estate in the heart of Zephyrhills. Contact us today to schedule your private tour.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
4,242
Sqft
1.96 ac
Lot size
2
Garage
2007
Year built
Two
Levels
$200
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.
$5,949 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,949/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 COLONY CO
$200 vs $192
Days on market
411 vs 47 typical
Where $200/sqft sits among the 33 homes for sale in ZEPHYRHILLS COLONY CO
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 Zephyrhills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
ZEPHYRHILLS 33540 — neighborhood snapshot
Population
11,098
Median age
56.1
Median income
$55,426
Median home value
$120,600
Avg household
2.31
Households w/ children
789
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 → $356K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
13 of 33
ZEPHYRHILLS COLONY CO have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 156% above the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 7427 20TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$820,000
10314 LAMSON ROAD · same community
4 bd · 3 ba · 2,691 sqft · $305/sqft · 129 DOM
Sold · Jan ’26$300,000
4314 LANE ROAD · same community
5 bd · 2 ba · 2,356 sqft · $127/sqft · 26 DOM
Sold · Feb ’26$325,000
34740 CHANCEY ROAD · same community
4 bd · 2 ba · 2,120 sqft · $153/sqft · 0 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 7427 20TH STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7427 20TH STREET — 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
7427 20TH STREET FAQs
What would the monthly payment be for 7427 20TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,949/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 7427 20TH STREET?+
The most recent tax bill on record (2024) was $10,610. 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 7427 20TH STREET?+
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 $849,999, this home is listed about 166% above the Zephyrhills median of $319,950. The market section on this page shows how the area is trending.
Which schools are assigned to 7427 20TH STREET?+
Raymond B. Stewart Middle School (middle), Zephyrhills High School (high), Chester W. Taylor Junior Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$849,999 runs 156% above the ZEPHYRHILLS 33540 median — but at 4,242 sqft it's also nearly 3 times the size of the typical Zephyrhills listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
411 days on market against a Zephyrhills median of 47 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,099,000, now $849,999 — a $249K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KING & ASSOCIATES REAL ESTATE LLC · Sonny Glover. MLS #TB8398424.
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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