2741 GARDINER LANE, ZEPHYRHILLS, FL, 33541
Active181 days on marketListed Feb 6, 2026MLS #TB8473421
About this home
2741 GARDINER LANE
THIS LIKE-NEW 2024, 4-BEDROOM, 2-BATH HOME OFFERS MANY OF THE SAME INCENTIVES BUYERS LOOK FOR IN NEW CONSTRUCTION—INCLUDING NO-MONEY-DOWN FINANCING AND SELLER ASSISTANCE WITH CLOSING COSTS—plus valuable upgrades already completed, including a vinyl-fenced backyard, extended screened lanai, and immediate move-in availability. Inside, the bright, open-concept layout features tile flooring throughout the main living areas and a beautifully appointed kitchen with granite countertops, espresso cabinetry, a large center island, natural gas range, walk-in pantry, and included appliances. The private owner's suite overlooks the backyard and offers two walk-in closets, dual vanities, and a spacious walk-in shower. Three additional bedrooms provide flexibility for guests, a home office, or hobbies.Outdoor living is elevated with an extended screened porch overlooking a vinyl fenced backyard, providing both privacy and the perfect setting for relaxing and entertaining. Northwater residents enjoy resort-style amenities including a community pool, playground, fire pit, cornhole area, and scenic sidewalks, all conveniently located off State Road 56 with quick access to Wesley Chapel, Zephyrhills, Tampa, shopping, dining, and everyday conveniences. Seller is ready for their next chapter and welcomes offers — this home delivers exceptional value that new construction simply can't match. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,852
Sqft
0.18 ac
Lot size
2
Garage
2024
Year built
One
Levels
$205
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.
$2,958 /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
$2,958/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
−3.5%
$/sqft vs Zephyrhills actives
$205 vs $176
Days on market
181 vs 47 typical
Where $205/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
$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 16% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 2741 GARDINER LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$328,000
35724 SUNFLOWER HILL DRIVE · same community
3 bd · 2 ba · 1,584 sqft · $207/sqft · 53 DOM
Sold · Sep ’25$430,000
35780 SUNFLOWER HILL DRIVE · same community
5 bd · 3 ba · 2,453 sqft · $175/sqft · 115 DOM
Sold · Jan ’26$389,228
1835 DRAUGHTON DRIVE
4 bd · 2 ba · 1,840 sqft · $212/sqft · 86 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 2741 GARDINER LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2741 GARDINER LANE — 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
2741 GARDINER LANE FAQs
What would the monthly payment be for 2741 GARDINER LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,958/mo — principal and interest, the actual property-tax bill, the $14/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 2741 GARDINER LANE?+
The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2741 GARDINER LANE?+
The most recent tax bill on record (2024) was $4,626. 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 2741 GARDINER LANE?+
The listing reports pets: Number Limit, 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 $379,000, this home is listed about 18% above the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2741 GARDINER LANE?+
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
01Positioned at the premium end
$379,000 runs 16% above the ZEPHYRHILLS 33541 median.
02Time on market is leverage
181 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 $399,900, now $379,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KING & ASSOCIATES REAL ESTATE LLC · Robyn Crist. MLS #TB8473421.
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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