39438 ROCKFORD AVENUE, ZEPHYRHILLS, FL, 33542
Active179 days on marketListed Feb 16, 2026MLS #TB8476011
About this home
39438 ROCKFORD AVENUE
*LAND INCLUDED — NO LOT RENT!* Comfortable 2-bedroom, 2-bathroom double-wide manufactured home located in a 55+ HOA community. Seller owns the land, and there is no lot rent. The property features a low annual HOA fee, with water included. The home offers a rare 3-car carport with covered parking for vehicles, a golf cart, and guests, plus a detached storage building providing additional storage space. Outdoor living includes a screened porch and a Florida room with screened windows. Additional features include a Wi-Fi-enabled thermostat that can be operated remotely through an app, a queen-size Sleep Number bed, and a walk-in shower with a rain-style showerhead. The home is being offered furnished. The community features wide paved roads suitable for walking, biking, and golf carts, along with a clubhouse and regularly scheduled community activities. *FINANCING CONSIDERED:* Seller is open to offers involving financing and is willing to consider repairs or improvements identified by a buyer's lender or insurance provider in connection with 4-point inspection or insurance requirements, subject to seller approval and negotiated terms. Property is being offered with consideration given to its current condition. Buyer should independently verify financing, insurance, and property requirements with their lender and insurance provider. Seller's property disclosure is available for buyer review and should be carefully reviewed for known conditions. Buyer and buyer's agent are advised to conduct their own inspections and due diligence. Buyer and buyer's agent to verify all measurements, HOA information, fees, included services, community rules and restrictions, amenities, and other property information.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
768
Sqft
0.25 ac
Lot size
1979
Year built
One
Levels
$167
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.
$1,112 /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
$1,112/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
+27.8%
$/sqft vs Zephyrhills actives
$167 vs $170
Days on market
179 vs 51 typical
Where $167/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 → $342K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
198 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 29% below the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 39438 ROCKFORD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$85,000
39612 STERLING DRIVE · same community
2 bd · 1.5 ba · 672 sqft · $126/sqft · 47 DOM
Sold · Mar ’26$95,000
39613 STERLING DRIVE · same community
2 bd · 2 ba · 896 sqft · $106/sqft · 138 DOM
Sold · Apr ’26$145,000
39638 ROCKFORD AVENUE · same community
2 bd · 2 ba · 1,375 sqft · $105/sqft · 0 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 39438 ROCKFORD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39438 ROCKFORD 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
39438 ROCKFORD AVENUE FAQs
What would the monthly payment be for 39438 ROCKFORD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,112/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 39438 ROCKFORD AVENUE?+
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 39438 ROCKFORD AVENUE?+
The most recent tax bill on record (2025) was $1,357. 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 39438 ROCKFORD 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 $128,000, this home is listed about 61% below the Zephyrhills median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 39438 ROCKFORD AVENUE?+
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
Three things that matter here
01Under the ZEPHYRHILLS 33542 market on paper
$128,000 is 29% below the ZEPHYRHILLS 33542 median of $179,450, and at $167/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
179 days on market against a Zephyrhills median of 51 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER AQUATERRA REALTY · Albert Fava IV. MLS #TB8476011.
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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