37520 PHELPS ROAD, ZEPHYRHILLS, FL, 33541
Active87 days on marketListed May 8, 2026MLS #TB8506926
About this home
37520 PHELPS ROAD
Welcome to your private country retreat on 2.5 fenced and gated acres in a prime location between US-301 and Fort King Road. This beautifully maintained 2008-built home offers the perfect blend of peaceful living, space, and functionality with no HOA or CDD restrictions. A welcoming front porch sets the tone for relaxed country living, while inside you’ll find spacious living and dining areas along with a gourmet kitchen featuring cherry cabinetry, granite countertops, stainless steel appliances, a center island, and breakfast bar overlooking the oversized great room. The expansive bonus room provides endless flexibility for entertaining, a game room, home office, or media space. The split floor plan offers privacy, with the primary suite tucked away on one side of the home featuring dual closets, a spacious ensuite bath, and an additional flex space perfect for a sitting room, office, nursery, or private retreat. Guest bedrooms and bath are located on the opposite side of the home. Additional highlights include an indoor utility room with exterior access, screened lanai with peaceful pond views, and plenty of room for animals, RVs, boats, work vehicles, and recreational toys. Two custom detached garages provide parking for 5+ vehicles and include concrete floors, electric door openers, and an RV roll-up door. Built to hurricane code standards and designed for both comfort and practicality, this property offers the freedom of country living while remaining conveniently close to shopping, dining, and major roadways. Zoned AR and ideal for those seeking space, privacy, and versatility.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,684
Sqft
2.57 ac
Lot size
7
Garage
2008
Year built
One
Levels
$181
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 — not generic estimates.
$3,260 /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
$3,260/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
+18.1%
$/sqft vs ZEPHYRHILLS COLONY CO
$181 vs $193
Days on market
87 vs 44 typical
Where $181/sqft sits among the 32 homes for sale in ZEPHYRHILLS COLONY CO
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)
14 of 32
ZEPHYRHILLS COLONY CO have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 37520 PHELPS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$820,000
10314 LAMSON ROAD · same community
4 bd · 3 ba · 2,691 sqft · $305/sqft · 129 DOM
Sold · Jan ’26$300,000
4314 LANE ROAD · same community
5 bd · 2 ba · 2,356 sqft · $127/sqft · 26 DOM
Sold · Feb ’26$325,000
34740 CHANCEY ROAD · same community
4 bd · 2 ba · 2,120 sqft · $153/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 37520 PHELPS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 37520 PHELPS ROAD — 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
37520 PHELPS ROAD FAQs
What would the monthly payment be for 37520 PHELPS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,260/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 37520 PHELPS ROAD?+
The most recent tax bill on record (2025) was $209. 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 37520 PHELPS ROAD?+
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 $487,000, this home is listed about 58% above the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 37520 PHELPS ROAD?+
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.
Keep looking
Similar homes nearby
Listing courtesy of M SIX REALTY POWERED BY SELLSTATE · Elena Mejias, P.A.. MLS #TB8506926.
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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