37433 RAY DRIVE, ZEPHYRHILLS, FL, 33541
Active29 days on marketListed Jun 25, 2026MLS #TB8522153
About this home
37433 RAY DRIVE
Opportunity knocks in Tropical Acres! This 2-bedroom, 1-bath mobile home is full of potential and ready for its next owner. Situated on a spacious corner lot, this home features a covered carport, storage shed, and mature landscaping. Whether you're looking for a seasonal retreat, year-round residence, or your next renovation project, this property offers a great opportunity to add your personal touch and build equity. Conveniently located near shopping, dining, medical facilities, and everything Zephyrhills has. Enjoy the amenities and active lifestyle of this welcoming 55+ community. Property is being sold as-is. Bring your vision and make it your own!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
370
Sqft
0.09 ac
Lot size
1964
Year built
One
Levels
$131
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.
$553 /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
$553/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.
$/sqft vs Zephyrhills actives
$131 vs $170
Days on market
29 vs 44 typical
Where $131/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 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)
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 85% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 37433 RAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$130,000
38839 MILLER AVENUE · same community
2 bd · 1 ba · 920 sqft · $141/sqft · 85 DOM
Sold · Oct ’25$130,000
5105 WOOD STREET · same community
2 bd · 2 ba · 962 sqft · $135/sqft · 100 DOM
Sold · Oct ’25$320,000
4244 RYALS ROAD · same community
2 bd · 2 ba · 1,184 sqft · $270/sqft · 35 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 37433 RAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 37433 RAY 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
37433 RAY DRIVE FAQs
What would the monthly payment be for 37433 RAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $553/mo — principal and interest, the actual property-tax bill, the $18/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 37433 RAY DRIVE?+
The association fee works out to $18 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 37433 RAY DRIVE?+
The most recent tax bill on record (2025) was $813. 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 37433 RAY DRIVE?+
The listing reports pets: No. 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 $48,500, this home is listed about 84% below the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 37433 RAY DRIVE?+
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 BINGHAM REALTY INC · Stephanie Batchelor. MLS #TB8522153.
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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