
5449 12TH STREET, ZEPHYRHILLS, FL, 33542
Active85 days on marketListed May 13, 2026MLS #TB8508504
About this home
5449 12TH STREET
Here is almost impossible to find multifamily zoned duplex lot in the of city Zephyrhills that is walking distance to library and city offices or downtown area. Convenient to everything you need. No HOA rules or CDD only city rules to follow! High and dry lot in great market for any rental investment or great place to build for Multi generational living as can build and live in both sides or vacation to as 2nd homes. Has some impact fee credit available too, I was told when you want to build that once you submit for permit can get amount of credit from building dept. And i have 3 bed rm 2 bath with single car garage each side blue print done and previously had been approved by CRA director of Zephyrhills, should be ready now for you to start submitting for permitting. Can buy this and choose your own builder when your ready. Wow! Normal 30 yr financing on duplex just like a house makes it more convenient and easier to afford or cash flow. Or as builder can build and might be able to ask city to allow town home style affordable housing sales. No other city wat & sew duplex lot like this available in Wesley Chapel or Zephyrhills or PASCO cty today under $200k that I could find! NO HOA or CDD! Adjacent lot owned same owner is identical has different address assigned that also can be bought as pkg deal with right offer! Then you could have four units and can build same duplex blueprint on both lots! A lot in Tampa allowing for 2 duplexes under $300k cant be found, so buy here now and you could finance each duplex seperately and build seperately at your convenience and get lower residential loan interest 1-4 unit financing this way when done! Right to use previously allowed blueprint plan will be included with sale or get your own print made do your thing. Has paved alley access behind lots. Owner related to agent. Sign is on left lot toward the corner as lot facing 12th. Other vacant identical lot is to right. Can discuss 1031 if desired!
Facts & features
The home at a glance
0.19 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.
$873 /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
$873/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 → $356K
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 40% below the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 5449 12TH 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 5449 12TH STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5449 12TH 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
5449 12TH STREET FAQs
What would the monthly payment be for 5449 12TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $873/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 5449 12TH STREET?+
The most recent tax bill on record (2025) was $583. 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 $104,900, this home is listed about 67% below the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5449 12TH 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.
Keep looking
Similar homes nearby
Listing courtesy of THE ELITE REALTY EXPERIENCE · Ernest Harpster III. MLS #TB8508504.
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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