David Ramirez
$849,999$1,099,0005 bd4 ba4,242 sqft$200 /sqft$5,949 /mo all-in ↓

7427 20TH STREET, ZEPHYRHILLS, FL, 33540

Active411 days on marketListed Jun 20, 2025MLS #TB8398424

Reduced $249KPrivate poolSingle Family ResidenceZEPHYRHILLS COLONY CO

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

Private poolPool & Trees/Woods viewPets allowed

Inside

FlooringCarpet · Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Dryer · Microwave · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryIn Garage · Inside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionWood Frame
FoundationSlab
ViewPool · Trees/Woods
FacesEast
ParkingGarage Faces Side · Oversized
ExteriorFrench Doors · Lighting · Storage

Community & fees

Taxes (2024)$10,610/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected
WaterPublic

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%

Principal & interest$4,587
PMI (est., until 20% equity)$319
Property tax — 2024 actual bill$884
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $85,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $85,000
Interest rate6.00%
Loan term

Estimated payment

$5,949/mo

Principal & interest$4,587
PMI (est., until 20% equity)$319
Property taxes (actual bill)$884
Est. insurance$160

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

7
12 · this home
7
3
1
3
$102–152$152–203$203–254$254–305$305–355$355+

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

Map of 7427 20TH STREET

Drive times from this address

Downtown Tampa48 min
Tampa Int’l Airport (TPA)59 min
Walt Disney World73 min

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

MiddleRaymond B. Stewart Middle School★★★★
HighZephyrhills High School★★★★
ElementaryChester W. Taylor Junior Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Zephyrhills market

Seller’s marketLeans seller4.1 months of inventoryBuyer’s 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

CurrentPrice reduced to $849,999 $249K
Jun 20, 2025Listed at $1,099,000 · 411 days on market since
2007Built · ZEPHYRHILLS COLONY CO

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.

10314 LAMSON ROADSold · May ’26

$820,000

10314 LAMSON ROAD · same community

4 bd · 3 ba · 2,691 sqft · $305/sqft · 129 DOM

4314 LANE ROADSold · Jan ’26

$300,000

4314 LANE ROAD · same community

5 bd · 2 ba · 2,356 sqft · $127/sqft · 26 DOM

34740 CHANCEY ROADSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 7427 20TH STREET — start here.

Andrew Acosta

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.

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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.

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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7427 20TH STREET, ZEPHYRHILLS, FL — 5 Bed, 4 Bath — $849,999 | CENTURY 21 Edge