37438 PICKETTS MILL AVENUE, ZEPHYRHILLS, FL, 33542
Active199 days on marketListed Jan 22, 2026MLS #TB8467174
About this home
37438 PICKETTS MILL AVENUE
Virtually Staged. ASSUMABLE MORTGAGE - 5.25% - Welcome to this beautifully maintained home in the desirable Silver Oaks Village, where pride of ownership, smart updates, and everyday comfort come together. Situated in a well-kept, peaceful neighborhood, this 3-bedroom, 2-bath residence with a 2-car garage offers a thoughtful layout, generous storage, and timeless design features throughout. Inside, you’ll immediately notice the high vaulted ceilings, elegant curved architectural edges, and abundant natural light that create an open, airy feel. The split floor plan provides privacy, with the primary suite tucked away as a true retreat. The ensuite bath features a large garden tub, separate walk-in shower, double vanity, and a spacious walk-in closet. The kitchen is both functional and inviting, offering large upper cabinets, ample counter space, and bar seating, along with a cozy kitchenette for casual meals and a separate dining area ideal for hosting. Ceiling fans are installed in every room, enhancing comfort year-round, and storage is plentiful throughout the home—including heavy-duty built-in shelving in the garage. Recent updates add peace of mind, including an HVAC system replaced in 2016 and a new water heater in 2023. The upgraded glass storm door at the front entry allows you to enjoy fresh air with the option to convert to a screened door. Step outside through French doors with built-in shades to a screened, pavered lanai overlooking a fully fenced backyard with a vinyl privacy fence and gates on both sides—perfect for relaxing, entertaining, or pets. Ideally located near shopping, dining, and major conveniences, this home is also ease of access to the YMCA (offering a pool, gym, and classes) and minutes from St. Leo University. The property is located in a USDA-eligible area, which may allow qualified buyers to explore zero-down financing options (buyer to verify eligibility and loan requirements). A wonderful opportunity to own a move-in-ready home in a growing area with a strong sense of community.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,632
Sqft
0.14 ac
Lot size
2
Garage
2005
Year built
One
Levels
$192
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.
$2,748 /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
$2,748/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
+0.5%
$/sqft vs Zephyrhills actives
$192 vs $176
Days on market
199 vs 49 typical
Where $192/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 Silver Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Silver Oaks — neighborhood snapshot
Population
1,158
Median age
39
Median income
$68,546
Median home value
$282,000
Avg household
3
Households w/ children
138
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)
188 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 79% above the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 37438 PICKETTS MILL AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$299,900
6450 ASHVILLE DR · same community
3 bd · 2 ba · 1,592 sqft · $188/sqft · 7 DOM
Sold · May ’26$230,000
37338 SANDRA AVENUE
3 bd · 2 ba · 1,611 sqft · $143/sqft · 115 DOM
Sold · May ’26$235,000
36645 KAY AVENUE
2 bd · 2 ba · 1,566 sqft · $150/sqft · 218 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 PICKETTS MILL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 37438 PICKETTS MILL AVENUE — 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 PICKETTS MILL AVENUE FAQs
What would the monthly payment be for 37438 PICKETTS MILL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,748/mo — principal and interest, the actual property-tax bill, the $71/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 PICKETTS MILL AVENUE?+
The association fee works out to $71 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 37438 PICKETTS MILL AVENUE?+
The most recent tax bill on record (2025) was $6,359. 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 PICKETTS MILL AVENUE?+
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 $314,000, this home is listed about 2% below the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 37438 PICKETTS MILL AVENUE?+
West Zephyrhills Elementary School (elementary), Zephyrhills High School (high), Raymond B. Stewart Middle School (middle) — 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
$314,000 runs 79% above the ZEPHYRHILLS 33542 median.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
199 days on market against a Zephyrhills median of 49 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $329,000, now $314,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC. · Ashley Mason. MLS #TB8467174.
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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