38144 COBBLE CREEK BOULEVARD, ZEPHYRHILLS, FL, 33540
Active324 days on marketListed Sep 16, 2025MLS #TB8423489
About this home
38144 COBBLE CREEK BOULEVARD
BACK ON MARKET - Buyer failed to perform!! THIS HOME CAN NOW BE YOURS!!! Welcome to the sought-after Cobblestone community in Wesley Chapel! This stunning MI Homes Mira Lago floor plan offers 5 bedrooms, 4 bathrooms, and a versatile bonus room, with a total of 3,761 square feet of thoughtfully designed living space. A unique highlight of this home is the rare dual primary suites - one on the first floor and one on the second - perfect for multigenerational living or hosting guests in comfort and privacy. Step inside to an open-concept layout designed for modern living and effortless entertaining. The expansive great room flows seamlessly into the gourmet kitchen, featuring an extended island, butler’s pantry, stainless steel appliances with a wall-mounted hood, oversized pot sink, quartz countertops, and a stylish tile backsplash. Gather around the electric fireplace in the great room for cozy evenings at home. The downstairs primary suite offers a serene retreat with a spa-inspired bath including a garden tub, walk-in shower, dual quartz vanities, and a spacious walk-in closet. Upstairs, an open bonus room provides a perfect second living area, office, or media space. The upstairs primary suite boasts a private balcony overlooking the conservation area, plus a luxurious bath with dual sinks, quartz counters, garden tub, walk-in shower, and expansive closet space. Three additional bedrooms share a full bath with a tub/shower combination. Additional highlights include: Tile flooring throughout main living areas - Plush carpet in all bedrooms - Inside laundry room with built-in cabinetry - 2-car garage with epoxy floors - Paver driveway for added curb appeal. Enjoy the privacy of east Pasco County while remaining just minutes from major roadways, shopping, dining, and entertainment. Why wait to build? Move in now and start enjoying the lifestyle you deserve!
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,761
Sqft
0.15 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$146
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.
$4,345 /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
$4,345/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
+3.2%
$/sqft vs Zephyrhills actives
$146 vs $176
Days on market
324 vs 47 typical
Where $146/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 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 → $340K
Zephyrhills median sold, yr/yr
97.3%
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 65% above the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38144 COBBLE CREEK BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$530,000
38198 SHALE STONE COURT · same community
5 bd · 4 ba · 3,531 sqft · $150/sqft · 50 DOM
Sold · Mar ’26$490,000
3027 AUTUMN ROCK DRIVE · same community
5 bd · 3 ba · 3,531 sqft · $139/sqft · 21 DOM
Sold · Jul ’26$575,000
10445 SE 42ND TERRACE · same community
4 bd · 2.5 ba · 2,831 sqft · $203/sqft · 7 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 38144 COBBLE CREEK BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38144 COBBLE CREEK BOULEVARD — 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
38144 COBBLE CREEK BOULEVARD FAQs
What would the monthly payment be for 38144 COBBLE CREEK BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,345/mo — principal and interest, the actual property-tax bill, the $13/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 38144 COBBLE CREEK BOULEVARD?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 38144 COBBLE CREEK BOULEVARD?+
The most recent tax bill on record (2024) was $8,292. 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 38144 COBBLE CREEK BOULEVARD?+
The listing reports pets: Cats OK, Dogs OK, 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 $550,000, this home is listed about 72% above the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38144 COBBLE CREEK BOULEVARD?+
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
$550,000 runs 65% above the ZEPHYRHILLS 33540 median — but at 3,761 sqft it's also nearly twice the size of the typical Zephyrhills listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
324 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 $650,000, now $550,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Tammy Waugh, PA. MLS #TB8423489.
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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