38513 WILLOUGHBY DRIVE, ZEPHYRHILLS, FL, 33540
Active43 days on marketListed Jun 21, 2026MLS #TB8516870
About this home
38513 WILLOUGHBY DRIVE
Roomy 2 Bedroom, 1.5 Bath Single Wide in a Friendly 55+ Community Step into comfort and easy living in this spacious single wide home, offered fully furnished and ready for immediate enjoyment. Located in a welcoming 55+ community, this property delivers the perfect blend of relaxation, convenience, and amenities. Inside, you’ll find a large living room, a dedicated family room, and a separate dining area, giving you plenty of space to spread out and entertain. The split bedroom layout provides privacy for you and your guests, with a full bath plus an additional half bath for added convenience. Enjoy Florida living at its best on the screened lanai just off the family room—ideal for morning coffee, evening breezes, or quiet afternoons with a book. A storage shed offers extra room for tools, hobbies, or seasonal items. This pet friendly community welcomes golf carts and offers a variety of amenities, including a clubhouse, pool, shuffleboard, and horseshoes—perfect for staying active and social. Whether you’re looking for a seasonal retreat or a full-time residence, this home delivers comfort, space, and a vibrant community lifestyle
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
804
Sqft
0.13 ac
Lot size
1972
Year built
One
Levels
$124
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.
$982 /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
$982/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
−15.8%
$/sqft vs Zephyrhills actives
$124 vs $170
Days on market
43 vs 44 typical
Where $124/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 Shady Oaks Mobile Modular Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Shady Oaks Mobile Modular Estates — neighborhood snapshot
Population
325
Median age
68
Median income
$39,655
Median home value
$75,000
Avg household
2
Households w/ children
11%
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 → $363K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
204 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 70% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38513 WILLOUGHBY DRIVE
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$100,000
38529 MONET DRIVE · same community
2 bd · 1.5 ba · 840 sqft · $119/sqft · 59 DOM
Sold · Dec ’25$55,000
3734 CASTLE DRIVE · same community
2 bd · 1 ba · 768 sqft · $72/sqft · 213 DOM
Sold · Dec ’25$57,000
38504 MONET DRIVE · same community
2 bd · 2 ba · 864 sqft · $66/sqft · 342 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 38513 WILLOUGHBY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38513 WILLOUGHBY DRIVE — 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
38513 WILLOUGHBY DRIVE FAQs
What would the monthly payment be for 38513 WILLOUGHBY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $982/mo — principal and interest, the actual property-tax bill, the $42/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 38513 WILLOUGHBY DRIVE?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 38513 WILLOUGHBY DRIVE?+
The most recent tax bill on record (2026) was $1,761. 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 38513 WILLOUGHBY DRIVE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, 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 $100,000, this home is listed about 68% below the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38513 WILLOUGHBY DRIVE?+
Raymond B. Stewart Middle School (middle), Zephyrhills High School (high), Chester W. Taylor Junior Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ZEPHYRHILLS 33540 market on paper
$100,000 is 70% below the ZEPHYRHILLS 33540 median of $337,000, and at $124/sqft it sits under the Zephyrhills average of $177.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03The price has already moved
Listed at $125,000, now $100,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BINGHAM REALTY INC · Jo Uber. MLS #TB8516870.
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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