35631 LOWERY TRAIL, ZEPHYRHILLS, FL, 33541
Active162 days on marketListed Feb 13, 2026MLS #TB8476271
About this home
35631 LOWERY TRAIL
Virtually Staged. Under Construction. Builder is offering buyers up to $25,000 toward closing costs with preferred lender and title company. Nestled in Zephyrhills, Florida, Hammock at Two Rivers offers an elevated new home experience within the highly desirable master-planned community. This premier location provides the perfect balance of peaceful living and convenient access to the best of the Tampa Bay area, including Wesley Chapel, downtown Tampa, major employment centers, international airports, and premier shopping and dining destinations. Ideally located off State Road 56, between Morris Bridge Road and Highway 301, everything you need is just a short drive away. Hammock at Two Rivers offers residents access to The Landing, a private social club designed to bring community, wellness, and connection together. Inspired by Florida’s natural beauty, The Landing is planned as an extension of home, featuring gathering spaces, recreation areas, and amenities designed for relaxation, activity, and everyday enjoyment. New homes at Hammock at Two Rivers by are thoughtfully designed with a focus on modern living, upscale finishes, and flexible floor plans suited for a variety of lifestyles. Homes are built to high quality construction standards and present features designed for comfort, durability, and Florida living. Each home also includes Home Is Connected® Smart Home System, providing added convenience through integrated technology. Living in Hammock at Two Rivers places homeowners near popular destinations such as The Grove, KRATES, Tampa Premium Outlets, and Wiregrass Mall, along with family-friendly attractions like Main Event Entertainment Center, AdventHealth Center Ice, and the Wesley Chapel Sports Complex. Hammock at Two Rivers offers a distinctive blend of location, lifestyle, and long-term value. Discover elevated new home living near Tampa and schedule your tour today at Hammock at Two Rivers. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from homes as built. Home and community information, including pricing, included features, terms, availability, and amenities, are subject to change and prior sale at any time without notice or obligation. Materials may vary based on availability.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,561
Sqft
0.16 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$160
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.
$3,539 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,062/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−9.7%
$/sqft vs TWO RIVERS
$160 vs $192
Days on market
162 vs 44 typical
Where $160/sqft sits among the 97 homes for sale in TWO RIVERS
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
$310K → $350K
Zephyrhills median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
65 of 97
TWO RIVERS have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 75% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 35631 LOWERY TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$607,000
1156 BROWARD DRIVE · same community
5 bd · 4.5 ba · 3,629 sqft · $167/sqft · 37 DOM
Sold · Dec ’25$546,500
1144 BROWARD DRIVE · same community
5 bd · 4 ba · 3,336 sqft · $164/sqft · 53 DOM
Sold · Dec ’25$1,199,540
35505 BIG HAWK DRIVE · same community
4 bd · 4 ba · 3,138 sqft · $382/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 35631 LOWERY TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 35631 LOWERY TRAIL — 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
35631 LOWERY TRAIL FAQs
What would the monthly payment be for 35631 LOWERY TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,539/mo — principal and interest, estimated property taxes, the $90/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 35631 LOWERY TRAIL?+
The association fee works out to $90 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 35631 LOWERY TRAIL?+
The most recent tax bill on record (2025) was $0. 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 35631 LOWERY TRAIL?+
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 $569,990, this home is listed about 84% above the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 35631 LOWERY TRAIL?+
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
$569,990 runs 75% above the ZEPHYRHILLS 33541 median — but at 3,561 sqft it's also nearly twice the size of the typical Zephyrhills listing.
02Time on market is leverage
162 days on market against a Zephyrhills median of 44 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $677,815, now $569,990 — a $108K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of D R HORTON REALTY OF TAMPA LLC · Jodi Smenda. MLS #TB8476271.
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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