
5540 8TH STREET, ZEPHYRHILLS, FL, 33542
Active118 days on marketListed Apr 8, 2026MLS #TB8493629
About this home
5540 8TH STREET
Seize a rare opportunity to own a highly versatile commercial lot in the growing core of Zephyrhills. This 7,000 square foot (0.16 acre) parcel is zoned Office Professional (OP), offering a wide range of permitted uses and strong upside potential for investors, developers, and business owners alike. Positioned just minutes from downtown Zephyrhills and surrounded by established residential neighborhoods, this property benefits from consistent local traffic and a built-in customer base. Its central location makes it ideal for professional office, medical, or service-based businesses seeking accessibility and visibility without the high costs of larger commercial corridors. Zoning allows for a variety of development options including professional office space, multi-tenant office suites, live/work configurations, and certain service-oriented uses such as consulting, real estate, or wellness practices. The lot size and layout also support efficient building design with flexibility for future income-producing configurations. Whether you’re looking to develop a small business hub, create a live/work space, or build a long-term investment property, this parcel offers a compelling combination of affordability, flexibility, and growth potential in an expanding Pasco County market. Opportunities at this price point with this level of versatility are becoming increasingly scarce, secure your position in one of Zephyrhills’ most active and evolving areas. Lot dimensions approximately 50x140 (7,000 SF). Utilities nearby (buyer to verify availability and capacity). Development subject to standard OP zoning requirements including setbacks, parking, drainage, and building restrictions. Buyer to perform all due diligence regarding zoning, permitted uses, site development requirements, and feasibility. Seller is open to seller financing with a substantial down payment.
Facts & features
The home at a glance
0.16 ac
Lot size
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 — not generic estimates.
$551 /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
$551/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.
Where it sits
Inside Downtown Zephyrhills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Downtown Zephyrhills — neighborhood snapshot
Population
3,883
Median age
37
Median income
$47,219
Median home value
$131,710
Avg household
3
Households w/ children
309
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 → $363K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 71% below the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 5540 8TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$180,000
5632 5TH STREET · same community
2 bd · 1 ba · 520 sqft · $346/sqft · 17 DOM
Sold · Aug ’25$28,000
38752 3RD AVENUE · same community
1 bd · 1 ba · 612 sqft · $46/sqft · 17 DOM
Sold · Sep ’25$189,000
5835 8TH STREET · same community
2 bd · 1 ba · 704 sqft · $268/sqft · 2 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 5540 8TH STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5540 8TH STREET — 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
5540 8TH STREET FAQs
What would the monthly payment be for 5540 8TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $551/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 5540 8TH STREET?+
The most recent tax bill on record (2025) was $907. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Zephyrhills?+
At $49,900, this home is listed about 84% below the Zephyrhills median of $319,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5540 8TH STREET?+
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
Four things that matter here
01Under the ZEPHYRHILLS 33542 market on paper
$49,900 is 71% below the ZEPHYRHILLS 33542 median of $175,000.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
118 days on market against a Zephyrhills median of 47 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $99,900, now $49,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Sean Tennant. MLS #TB8493629.
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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