37644 PINATA AVENUE, ZEPHYRHILLS, FL, 33541
Active97 days on marketListed Apr 29, 2026MLS #TB8498043
About this home
37644 PINATA AVENUE
AFFORDABLE, TURNKEY FLORIDA LIVING! Nestled in the heart of the vibrant 55+ community of Spanish Trails West, 37644 Pinata Avenue offers resort-style living defined by comfort, connection, and the freedom of ownership with NO LOT RENT. The story of this home is one of meticulous care and continuous improvement, including a BRAND-NEW ROOF (APRIL 2026), new front entry door (SEP 2023), and updated DOUBLE-HUNG, ENERGY EFFICIENT WINDOWS (July 2022). This residence features a desirable 3 bedroom, 2 bathroom, SPLIT FLOOR PLAN providing 1,248 SQUARE FEET of living space that includes a bright, ENCLOSED FLORIDA ROOM with a view of the pond and fountain for year-round enjoyment. Inside and out, the home is optimized for senior living with a REMOVABLE RAMP at the front entrance, INTERIOR LAUNDRY, a WALK-IN SHOWER in the primary suite, and a WALK-IN TUB in the guest bathroom making this the perfect place to live out your retirement years. Life here extends far beyond your front door, where a LOW $142 MONTHLY FEE simplifies your budget by covering cable TV, high-speed internet, and lawn maintenance while also strategically holding reserves for the maintenance of private roads and the community’s UNDERGROUND UTILITY SYSTEMS. Your mornings might begin with a quiet coffee in the enclosed Florida room before heading out to explore premier social hubs where you can stay active on the TENNIS AND PICKLEBALL COURTS, practice your aim on the basketball court, or engage in friendly competition at the horseshoe pits or INDOOR SHUFFLEBOARD COURTS. The HEATED COMMUNITY POOL allows for year-round enjoyment of aquatics, and it’s equipped with a POOL LIFT for ADA Access. The social calendar is always full with coffee hours, ice cream socials, dances, potluck lunches, crafts, and bingo, ensuring a warm neighborhood atmosphere. For quieter afternoons, you can visit the library or head to the clubhouse for a game of billiards. Even your "toys" and furry companions are catered to with a GATED LOT FOR RV or TRAILER STORAGE and a dedicated FENCED DOG RUN. Convenience is a hallmark of this location, placing you moments away from top-tier medical care at ADVENT HEALTH ZEPHYRHILLS, the charming historic downtown district, and the newly updated HERCULES PARK. For your daily needs, you are surrounded by PREMIER SHOPPING including Publix, TJ Maxx, Bealls, Hobby Lobby, and Walmart. This home isn't just a place to stay—it's an invitation to join Zephyrhills’ best-kept secret, where every amenity is designed to help you thrive and live your best Florida Life, whether you are a seasonal or year-round resident! Call today for your personal tour!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,248
Sqft
0.09 ac
Lot size
1998
Year built
One
Levels
$132
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.
$1,398 /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
$1,398/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
+17%
$/sqft vs Zephyrhills actives
$132 vs $170
Days on market
97 vs 45 typical
Where $132/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)
201 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 49% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 37644 PINATA 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$140,000
37501 CAMPO AVENUE · same community
2 bd · 2 ba · 1,296 sqft · $108/sqft · 29 DOM
Sold · Jun ’26$110,000
37707 EL SOL AVENUE · same community
3 bd · 2 ba · 1,296 sqft · $85/sqft · 193 DOM
Sold · May ’26$204,900
7039 SIESTA STREET · same community
2 bd · 2 ba · 1,144 sqft · $179/sqft · 25 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 37644 PINATA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 37644 PINATA 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
37644 PINATA AVENUE FAQs
What would the monthly payment be for 37644 PINATA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,398/mo — principal and interest, the actual property-tax bill, the $142/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 37644 PINATA AVENUE?+
The association fee works out to $142 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 37644 PINATA AVENUE?+
The most recent tax bill on record (2025) was $617. 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 37644 PINATA AVENUE?+
The listing reports pets: Breed Restrictions, Number Limit, Size Limit. 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 $165,000, this home is listed about 48% below the Zephyrhills median of $319,900. The market section on this page shows how the area is trending.
Which schools are assigned to 37644 PINATA 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
Four things that matter here
01Under the ZEPHYRHILLS 33541 market on paper
$165,000 is 49% below the ZEPHYRHILLS 33541 median of $325,000, and at $132/sqft it sits under the Zephyrhills average of $179.
02City & Water views
The city and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
97 days on market against a Zephyrhills median of 45 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $169,900, now $165,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of VITIS REALTY · Kim Barker. MLS #TB8498043.
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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