37438 RAY DRIVE, ZEPHYRHILLS, FL, 33541
Active264 days on marketListed Nov 3, 2025MLS #TB8440874
About this home
37438 RAY DRIVE
This well-maintained 2-bedroom, 2-bathroom home features a split bedroom floor plan and an open-concept layout with a central kitchen, dining area, and living room addition. It boasts a welcoming covered front porch with a sliding glass door and an additional enclosed, raised screen porch with vinyl windows and its own entry door. Inside, you'll find updated laminate flooring throughout, a cozy front bedroom with a built-in dresser, closet, and en-suite bathroom with a walk-in shower. The spacious primary bedroom includes a built-in dresser flanked by dual closets and features an additional closet for extra storage space and is conveniently located near the hall bathroom. All furnishings and appliances, including a stackable washer/dryer, are included. The exterior offers a nice quiet setting, aluminum siding, a carport, a metal roof, shade awnings, a painted driveway, cement block utility room & front planter. This charming, fully furnished, move-in-ready singlewide with additions is located within Tropical Mobile Home Park in Zephyrhills, a 55+ community where you own the land. With no lot rent and low annual park dues of just $200, it’s an affordable option for those seeking an active and affordable Florida lifestyle. Conveniently located near C.R. 54, restaurants, shopping, medical facilities, and only 5 minutes from beautiful downtown Zephyrhills. Don’t miss the chance to make it your own!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
832
Sqft
0.11 ac
Lot size
1972
Year built
One
Levels
$84
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.
$689 /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
$689/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
−41.6%
$/sqft vs Zephyrhills actives
$84 vs $170
Days on market
264 vs 44 typical
Where $84/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 33541 — neighborhood snapshot
Population
23,913
Median age
57.8
Median income
$55,556
Median home value
$111,300
Avg household
2.21
Households w/ children
1,812
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)
203 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 78% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 37438 RAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$130,000
4413 SENTRY PALM LOOP
2 bd · 2 ba · 864 sqft · $150/sqft · 71 DOM
Sold · Dec ’25$55,000
3734 CASTLE DRIVE
2 bd · 1 ba · 768 sqft · $72/sqft · 213 DOM
Sold · May ’26$244,000
37135 PAULS DRIVE
3 bd · 2 ba · 924 sqft · $264/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 37438 RAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 37438 RAY 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
37438 RAY DRIVE FAQs
What would the monthly payment be for 37438 RAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $689/mo — principal and interest, the actual property-tax bill, the $17/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 37438 RAY DRIVE?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 37438 RAY DRIVE?+
The most recent tax bill on record (2024) was $841. 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 37438 RAY DRIVE?+
The listing reports pets: No. 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 $69,900, this home is listed about 77% below the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 37438 RAY DRIVE?+
Chester W. Taylor Junior Elementary School (elementary), Raymond B. Stewart Middle School (middle), Zephyrhills High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BETMAR REALTY CORP · Joe Desmarais. MLS #TB8440874.
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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