35186 ACKLEY TRACE, ZEPHYRHILLS, FL, 33541
Active36 days on marketListed Jun 18, 2026MLS #TB8514843
Come see it
Upcoming open house
Sat, Jul 25
12:00 PM – 2:30 PM
About this home
35186 ACKLEY TRACE
Welcome to your Florida retreat in the heart of Zephyrhills and Wesley Chapel ! Located in the desirable community of Two Rivers North, this inviting home offers a perfect blend of comfort, functionality, and modern style. Step inside to discover a thoughtfully designed interior with an open-concept layout that maximizes both space and natural light, creating an airy, welcoming feel throughout. The main living area features a spacious great room ideal for relaxing or entertaining, with clean sightlines that connect seamlessly to the dining area and kitchen. The kitchen is a true highlight of the home, showcasing sleek quartz countertops, ample cabinetry, and a full suite of modern appliances—including a range, refrigerator, dishwasher, and microwave—designed to make cooking and hosting both easy and enjoyable. The open layout ensures you stay connected with family and guests while preparing meals. Inside, you’ll find well-proportioned bedrooms designed for comfort and flexibility—perfect for restful nights, a home office, or guest accommodations. The primary suite provides a private retreat, complete with ample closet space and an en-suite bath featuring stylish quartz countertops that add a touch of elegance and durability. The additional bathrooms also include matching quartz surfaces for a cohesive, upgraded look throughout the home. Additional interior highlights include: Durable, low-maintenance flooring in main living areas Large windows that fill the home with natural light A functional, flowing floor plan for everyday living Neutral finishes throughout, offering a versatile canvas to suit your style Convenient indoor laundry space The home also features a built-in attached garage, offering secure parking and valuable additional storage space. Whether used for vehicles, tools, or seasonal items, the garage provides both convenience and flexibility while helping keep your living areas organized. Every detail of the home is designed to support comfortable, modern living while maintaining a warm and inviting atmosphere. Step outside to enjoy a peaceful backyard—perfect for morning coffee, evening relaxation, or entertaining guests. Conveniently located near shopping, dining, schools, and major roadways, this home offers both accessibility and a quiet neighborhood feel. Whether you're a first-time buyer, downsizing, or investing, this property is a must-see!
Facts & features
The home at a glance
6
Bedrooms
3
Bathrooms
2,580
Sqft
0.1 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$161
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.
$2,860 /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
$3,240/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs TWO RIVERS
$161 vs $192
Days on market
36 vs 44 typical
Where $161/sqft sits among the 99 homes for sale in TWO RIVERS
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)
68 of 99
TWO RIVERS have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 35186 ACKLEY TRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$482,470
2237 STRATTEN DRIVE · same community
4 bd · 3 ba · 2,537 sqft · $190/sqft · 149 DOM
Sold · Nov ’25$440,000
37048 SAGEMOOR DRIVE · same community
5 bd · 3 ba · 2,470 sqft · $178/sqft · 8 DOM
Sold · Nov ’25$391,990
36179 SUNFLOWER HILL DRIVE · same community
5 bd · 3 ba · 2,453 sqft · $160/sqft · 134 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 35186 ACKLEY TRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 35186 ACKLEY TRACE — 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
35186 ACKLEY TRACE FAQs
What would the monthly payment be for 35186 ACKLEY TRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,860/mo — principal and interest, estimated property taxes, the $74/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 35186 ACKLEY TRACE?+
The association fee works out to $74 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 35186 ACKLEY TRACE?+
The most recent tax bill on record (2025) was $0. 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 35186 ACKLEY TRACE?+
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 $414,900, this home is listed about 34% above the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 35186 ACKLEY TRACE?+
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 FUTURE HOME REALTY INC · Michael Rossi. MLS #TB8514843.
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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