David Ramirez

5449 12TH STREET, ZEPHYRHILLS, FL, 33542

Active85 days on marketListed May 13, 2026MLS #TB8508504

Priced 40% below the ZEPHYRHILLS 33542 medianCITY ZEPHYRHILLS

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

FacesEast

Community & fees

Taxes (2025)$583/yr

Utilities & systems

UtilitiesElectricity Available · Public · Sewer Available · Water Available
WaterPublic

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%

Principal & interest$618
FHA mortgage insurance (est.)$46
Property tax — 2025 actual bill$49
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $3,672Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $3,672
Interest rate6.00%
Loan term

Estimated payment

$873/mo

Principal & interest$618
FHA mortgage insurance (est.)$46
Property taxes (actual bill)$49
Est. insurance$160

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

Map of 5449 12TH STREET inside its neighborhood boundary

Drive times from this address

Downtown Tampa42 min
Tampa Int’l Airport (TPA)53 min
Walt Disney World68 min

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

MiddleRaymond B. Stewart Middle School★★★★
HighZephyrhills High School★★★★
ElementaryWoodland Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Zephyrhills market

Seller’s marketLeans seller4.1 months of inventoryBuyer’s 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

May 13, 2026Listed at $104,900 · 85 days on market since

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.

5632 5TH STREETSold · Nov ’25

$180,000

5632 5TH STREET · same community

2 bd · 1 ba · 520 sqft · $346/sqft · 17 DOM

38752 3RD AVENUESold · Aug ’25

$28,000

38752 3RD AVENUE · same community

1 bd · 1 ba · 612 sqft · $46/sqft · 17 DOM

5835 8TH STREETSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5449 12TH STREET — start here.

Andrew Acosta

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

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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.

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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