38049 COPPER PENNY COURT, ZEPHYRHILLS, FL, 33540
Active42 days on marketListed Jul 2, 2026MLS #TB8525441
About this home
38049 COPPER PENNY COURT
Seller will leave for buyer Samsung new 75" smart TV mounted on wall w/Samsung sound bar. Brand-new M/I Homes "Mira Lago" — 5 bedrooms, 3 full baths, 3-car garage with golf-cart bay, 3,531 heated SF — completed May 2025 and NEVER LIVED IN. Move in immediately, no builder wait. Premium $45,000 lot, one of the largest in Cobblestone at 16,541 SF (over a third of an acre), on a cul-de-sac with no rear neighbors and a huge backyard. Custom second-floor balcony off the primary suite ($49,000 upgrade) with beautiful views of the pond and wooded conservation area. All porcelain tile, no carpet. Butler's pantry ($3,000 upgrade), Kinetico water softener and kitchen reverse-osmosis purification system ($7,500) — never buy water again. Many more upgrades — must see to appreciate. Purchased for $644,000, offered at $579,000. First-floor bedroom with private entrance can serve as an in-law suite. Community pool, playground, and golf-cart-friendly streets. Quick closing available. Seller will contribute $20,000 towards buyers closing costs.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,531
Sqft
0.38 ac
Lot size
3
Garage
2025
Year built
Two
Levels
$164
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.
$3,888 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,888/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+13.9%
$/sqft vs Zephyrhills actives
$164 vs $171
Days on market
42 vs 51 typical
Where $164/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 33540 — neighborhood snapshot
Population
11,098
Median age
56.1
Median income
$55,426
Median home value
$120,600
Avg household
2.31
Households w/ children
789
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 → $342K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
198 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 72% above the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38049 COPPER PENNY COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$500,000
38021 COPPER PENNY COURT · same community
5 bd · 4 ba · 3,761 sqft · $133/sqft · 0 DOM
Sold · Aug ’25$543,030
3108 AUTUMN ROCK DRIVE · same community
4 bd · 3 ba · 3,200 sqft · $170/sqft · 0 DOM
Sold · May ’26$510,000
3129 ADAMS CROSS DRIVE · same community
5 bd · 4 ba · 3,135 sqft · $163/sqft · 0 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 38049 COPPER PENNY COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38049 COPPER PENNY COURT — 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
38049 COPPER PENNY COURT FAQs
What would the monthly payment be for 38049 COPPER PENNY COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,888/mo — principal and interest, the actual property-tax bill, the $13/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 38049 COPPER PENNY COURT?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 38049 COPPER PENNY COURT?+
The most recent tax bill on record (2025) was $4,485. 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 38049 COPPER PENNY COURT?+
The listing reports pets: Cats OK, Dogs OK. 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 $579,000, this home is listed about 78% above the Zephyrhills median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38049 COPPER PENNY COURT?+
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.
Keep looking
Similar homes nearby
Listing courtesy of JACK KELLER INC · John Keller, III. MLS #TB8525441.
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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