David Ramirez
$159,900$169,9002 bd2 ba1,056 sqft$151 /sqft$1,298 /mo all-in ↓

3904 WILLIAM HUME DRIVE, ZEPHYRHILLS, FL, 33541

Active239 days on marketListed Dec 10, 2025MLS #TB8455513

Priced 51% below the ZEPHYRHILLS 33541 medianReduced $10KManufactured HomeCOLONY HILLS COMMUNITY

About this home

3904 WILLIAM HUME DRIVE

COLONY HILLS – BEAUTIFULLY UPDATED 2 BED / 2 BATH HOME! This stunning, move-in-ready home has been thoughtfully updated from top to bottom—no detail overlooked! From the moment you step inside, it’s clear the seller spared no expense. The interior feels warm and inviting thanks to the removal of all original paneling, replaced with fully textured walls for a fresh, modern look. Newer flooring flows throughout the home, complemented by fresh interior paint, crown molding, and chair rails in the family and dining rooms. The bright, updated kitchen features refreshed countertops, a stainless-steel sink, painted and stained cabinetry, newer in-cabinet shelving, updated lighting, and newer refrigerator and microwave. A charming breakfast bar connects the kitchen to the dining area—perfect for casual meals or entertaining. At the back of the home, the spacious primary bedroom offers ample closet space with updated shelving, crown molding, and a beautifully refreshed en-suite bath with a newer vanity, cabinet, and countertop. A separate room encloses the toilet and relaxing soaker tub for added privacy. The guest bedroom and updated guest bath are also located toward the rear of the home, providing a comfortable layout for visitors. An interior laundry room adds convenience—no need to step outside in the weather. The updates continue outdoors! The exterior has been freshly painted, and the enlarged storage shed (properly permitted) offers exceptional additional space. Major systems have been upgraded as well, including a recently replaced A/C with ultraviolet light, and newer water heater. This home also has a sprinkler system, water softener, added insulation, and an updated vapor barrier beneath the home. These unseen upgrades add value and peace of mind. Colony Hills is a vibrant 55+ community offering a recreation center, pool, shuffleboard, tennis courts, and a calendar full of activities. Ideally located just off Highway 54 West, you’ll enjoy easy access to Wesley Chapel, Tampa, Dade City, and Gulf Coast beaches.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,056

Sqft

0.1 ac

Lot size

1987

Year built

One

Levels

$151

Per sqft

55+ communityPets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDryer · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Primary Bedroom Main Floor · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMembrane · Other
ConstructionOther
FoundationCrawlspace
FacesWest
ExteriorRain Gutters · Sliding Doors · Storage

Community & fees

HOA fee$50/mo
Taxes (2025)$908/yr
PetsYes
CommunityBuyer Approval Required · Clubhouse · Deed Restrictions · Pool

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Street Lights · Water Connected
WaterPublic

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.

$1,298 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$941
FHA mortgage insurance (est.)$71
Property tax — 2025 actual bill$76
HOA fee — from the listing$50
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $5,597Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $5,597
Interest rate6.00%
Loan term

Estimated payment

$1,298/mo

Principal & interest$941
FHA mortgage insurance (est.)$71
Property taxes (actual bill)$76
HOA / condo fee$50
Est. insurance$160

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.

List $160K
$130KedgeAI estimate $147,517 · range $135K$167K$173K

vs edgeAI estimate

+8.4%

$/sqft vs COLONY HILLS COMMUNITY

$151 vs $128

Days on market

239 vs 47 typical

Where $151/sqft sits among the 10 homes for sale in COLONY HILLS COMMUNITY

1
1
4
1
1 · this home
2
$88–102$102–116$116–130$130–144$144–158$158+

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 Colony Hills Community

Map of 3904 WILLIAM HUME DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa40 min
Tampa Int’l Airport (TPA)52 min
Walt Disney World74 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Zephyrhills. See the full Zephyrhills guide →

Colony Hills Community — neighborhood snapshot

Population

825

Median age

62

Median income

$49,554

Median home value

$110,500

Avg household

2

Households w/ children

46%

For the school run

Pasco County School District

ElementaryChester W. Taylor Junior Elementary School★★★★★
MiddleRaymond B. Stewart Middle School★★★★
HighZephyrhills High 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$340K

Zephyrhills median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

5 of 10

COLONY HILLS COMMUNITY have cut their price

Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 51% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →

Paper trail

This home's history

CurrentPrice reduced to $159,900 $10K
Dec 10, 2025Listed at $169,900 · 239 days on market since
1987Built · COLONY HILLS COMMUNITY

Reality check

What actually sold near 3904 WILLIAM HUME DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

35203 MAKENZIE STREETSold · Apr ’26

$138,000

35203 MAKENZIE STREET · same community

2 bd · 2 ba · 1,100 sqft · $125/sqft · 40 DOM

35122 MCCULLOUGHS LEAPSold · Jun ’26

$161,000

35122 MCCULLOUGHS LEAP · same community

2 bd · 2 ba · 1,144 sqft · $141/sqft · 89 DOM

35149 WAGNER WAYSold · Dec ’25

$157,500

35149 WAGNER WAY · same community

2 bd · 2 ba · 1,152 sqft · $137/sqft · 208 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 3904 WILLIAM HUME DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3904 WILLIAM HUME DRIVE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

3904 WILLIAM HUME DRIVE FAQs

What would the monthly payment be for 3904 WILLIAM HUME DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,298/mo — principal and interest, the actual property-tax bill, the $50/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 3904 WILLIAM HUME DRIVE?+

The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3904 WILLIAM HUME DRIVE?+

The most recent tax bill on record (2025) was $908. 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 3904 WILLIAM HUME DRIVE?+

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 $159,900, this home is listed about 50% below the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3904 WILLIAM HUME 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.

The brief

Three things that matter here

01Under the ZEPHYRHILLS 33541 market on paper

$159,900 is 51% below the ZEPHYRHILLS 33541 median of $325,000, and at $151/sqft it sits under the Zephyrhills average of $179.

02Time on market is leverage

239 days on market against a Zephyrhills median of 47 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $169,900, now $159,900 — a $10K cut. The full history is in the market section below.

Listing courtesy of CENTURY 21 BILL NYE REALTY · Sarah Mehrab. MLS #TB8455513.

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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