35045 CYNTHIA AVENUE, ZEPHYRHILLS, FL, 33541
Active146 days on marketListed Mar 17, 2026MLS #TB8487695
About this home
35045 CYNTHIA AVENUE
Live the Florida Lifestyle You’ve Been Waiting For! Welcome to easy, carefree living in this charming 2-bedroom, 2-bath home located in the Gated 55+ community of American Condominium Parks in Zephyrhills. This is where comfort, connection, and an active lifestyle all come together. Step inside and you’ll immediately appreciate the fresh feel with updated vinyl flooring and a bright, inviting layout that makes everyday living feel effortless. The open living spaces give you the flexibility to relax, entertain, or create a setup that fits your lifestyle perfectly. One of the standout features of this home is the enclosed SUNROOM —a wonderful bonus space to enjoy your morning coffee, unwind with a good book, or soak in the Florida sunshine all year long. It’s the perfect extension of your living space. Practical features like interior laundry add convenience, while the thoughtful layout keeps everything comfortable and easy to maintain—ideal for seasonal living or full-time enjoyment. But what truly makes this home special is the lifestyle that comes with it. American Condominium Parks is a vibrant, gated 55+ community known for its welcoming atmosphere and endless activities. Enjoy a heated pool and hot tub, sauna, tennis and pickleball courts, shuffleboard, horseshoes, mini golf, pool tables, and a full calendar of social events that make it easy to stay active and connected. Located in Zephyrhills, you’ll love the small-town charm with convenient access to shopping, dining, medical facilities, and all that the greater Tampa Bay area has to offer. Whether you're looking to relax, stay active, or meet new friends, this home offers the perfect opportunity to enjoy it all. Come see it for yourself and start living the Florida lifestyle you’ve been dreaming of!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
778
Sqft
0.07 ac
Lot size
1992
Year built
One
Levels
$147
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.
$1,156 /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
$1,156/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
+4.6%
$/sqft vs Zephyrhills actives
$147 vs $176
Days on market
146 vs 49 typical
Where $147/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)
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 65% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 35045 CYNTHIA 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$98,000
4845 BAKER AVENUE · same community
1 bd · 2 ba · 768 sqft · $128/sqft · 387 DOM
Sold · Feb ’26$75,000
35127 DANNY DRIVE · same community
1 bd · 2 ba · 629 sqft · $119/sqft · 411 DOM
Sold · Sep ’25$150,000
3907 WILLIAM HUME DRIVE
2 bd · 2 ba · 782 sqft · $192/sqft · 204 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 35045 CYNTHIA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 35045 CYNTHIA 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
35045 CYNTHIA AVENUE FAQs
What would the monthly payment be for 35045 CYNTHIA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,156/mo — principal and interest, the actual property-tax bill, the $120/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 35045 CYNTHIA AVENUE?+
The association fee works out to $120 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 35045 CYNTHIA AVENUE?+
The most recent tax bill on record (2024) was $1,854. 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 35045 CYNTHIA AVENUE?+
The listing reports pets: Number Limit, Size 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 $114,000, this home is listed about 65% below the Zephyrhills median of $322,000. The market section on this page shows how the area is trending.
Which schools are assigned to 35045 CYNTHIA AVENUE?+
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
$114,000 is 65% below the ZEPHYRHILLS 33541 median of $325,000, and at $147/sqft it sits under the Zephyrhills average of $179.
02Time on market is leverage
146 days on market against a Zephyrhills median of 49 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $123,500, now $114,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SUBURBAN TAMPA · Tony Baroni. MLS #TB8487695.
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.
Never miss a listing
New Zephyrhills homes, in your inbox
Like 35045 CYNTHIA AVENUE but not quite? A daily digest of every new listing in Zephyrhills — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →