39524 DUNDEE ROAD, ZEPHYRHILLS, FL, 33542
Active244 days on marketListed Dec 2, 2025MLS #TB8452837
About this home
39524 DUNDEE ROAD
PRICED TO SELL. ENJOY THE FLORIDA SUN: in this pretty, well-cared-for 2 bedroom, 2 bath split-plan home located in a highly sought-after 55+ community. A newly replaced 2-car carport (2025) welcomes your home, with utility/storage space at one end, plus a workshop and two additional sheds for hobbies and extra storage. Inside, the home comes fully furnished with everything you need to get started, featuring an inviting eat-in kitchen and a relaxing front screened porch. The community offers a clubhouse, shuffleboard, and regular activities, and is just minutes from grocery stores, eateries, a movie theater, and medical facilities, with larger pets welcome. Best of all, there is NO lot rent, and the low yearly HOA fee includes water—an affordable and appealing opportunity in a desirable location.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
897
Sqft
0.18 ac
Lot size
1977
Year built
One
Levels
$111
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.
$934 /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
$934/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
−13%
$/sqft vs Zephyrhills actives
$111 vs $170
Days on market
244 vs 47 typical
Where $111/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 Gem Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Gem Estates — neighborhood snapshot
Population
434
Median age
67
Median income
$49,474
Median home value
$63,300
Avg household
2
Households w/ children
14%
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 → $363K
Zephyrhills median sold, yr/yr
97.3%
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 43% below the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 39524 DUNDEE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$95,000
39613 STERLING DRIVE · same community
2 bd · 2 ba · 896 sqft · $106/sqft · 138 DOM
Sold · Aug ’25$143,000
39652 ELGIN DRIVE · same community
3 bd · 2 ba · 960 sqft · $149/sqft · 115 DOM
Sold · Apr ’26$85,000
39612 STERLING DRIVE · same community
2 bd · 1.5 ba · 672 sqft · $126/sqft · 47 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 39524 DUNDEE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39524 DUNDEE ROAD — 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
39524 DUNDEE ROAD FAQs
What would the monthly payment be for 39524 DUNDEE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $934/mo — principal and interest, the actual property-tax bill, the $29/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 39524 DUNDEE ROAD?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 39524 DUNDEE ROAD?+
The most recent tax bill on record (2025) was $1,354. 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 39524 DUNDEE ROAD?+
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 $99,900, this home is listed about 69% below the Zephyrhills median of $319,900. The market section on this page shows how the area is trending.
Which schools are assigned to 39524 DUNDEE ROAD?+
Raymond B. Stewart Middle School (middle), Zephyrhills High School (high), Woodland 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
01Under the ZEPHYRHILLS 33542 market on paper
$99,900 is 43% below the ZEPHYRHILLS 33542 median of $175,000, and at $111/sqft it sits under the Zephyrhills average of $179.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
244 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 $129,900, now $99,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BILL NYE REALTY · Kathryn Vanater. MLS #TB8452837.
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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