6020 12TH STREET, ZEPHYRHILLS, FL, 33542
Active36 days on marketListed Jun 18, 2026MLS #TB8519622
About this home
6020 12TH STREET
Brand New Custom-Built Home – No HOA, No CDD! Welcome home to this stunning NEW CONSTRUCTION 3-bedroom, 2-bath, 2 car garage custom-built residence offering modern design, quality craftsmanship, and the freedom of NO HOA fees. Thoughtfully designed with an open-concept floor plan, this home combines style, comfort, and functionality for today's lifestyle. Step inside to discover a spacious living and dining area filled with natural light, luxury vinyl plank flooring throughout the main living spaces, and a seamless flow into the beautifully appointed kitchen. The chef-inspired kitchen features custom wood cabinetry with a beautiful white finish, stone countertops, stainless steel appliances, ample storage, and a large workspace perfect for entertaining and everyday living. The private primary suite offers a peaceful retreat complete with a luxurious en-suite bathroom featuring dual vanities, designer finishes, and a custom tiled walk-in shower. Two additional bedrooms provide plenty of space for family, guests, or a home office. This home also boasts a covered front porch and quaint back lanai, all within the City Limits of Zephyrhills. In addition, the rear entrance 2 car garage accessible from the private alley make this home extremely desirable. Conveniently located near shopping, dining, schools, parks, medical facilities and major commuter routes, this home offers the perfect combination of modern living and everyday convenience.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,490
Sqft
0.18 ac
Lot size
2
Garage
2026
Year built
One
Levels
$228
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.
$2,353 /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
$2,353/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
+3.9%
$/sqft vs Zephyrhills actives
$228 vs $170
Days on market
36 vs 44 typical
Where $228/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 Oak Park
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Oak Park — neighborhood snapshot
Population
272
Median age
53
Median income
$39,632
Median home value
$116,100
Avg household
2
Households w/ children
29%
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)
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 105% above the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 6020 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 · Mar ’26$145,000
5945 20TH STREET · same community
3 bd · 2 ba · 1,743 sqft · $83/sqft · 4 DOM
Sold · Sep ’25$250,000
5023 6TH STREET · same community
3 bd · 1 ba · 1,152 sqft · $217/sqft · 232 DOM
Sold · Jul ’25$368,000
4818 HURON STREET
3 bd · 1.5 ba · 1,446 sqft · $254/sqft · 9 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 6020 12TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6020 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
6020 12TH STREET FAQs
What would the monthly payment be for 6020 12TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,353/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 6020 12TH STREET?+
The most recent tax bill on record (2025) was $564. 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 6020 12TH STREET?+
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 $339,000, this home is listed about 10% above the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6020 12TH STREET?+
Zephyrhills High School (high), Raymond B. Stewart Middle School (middle), 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 LOKATION · Toni Schmidt. MLS #TB8519622.
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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