38851 OPAL WILLOW LANE, ZEPHYRHILLS, FL, 33540
Active13 days on marketListed Jul 23, 2026MLS #TB8527543
About this home
38851 OPAL WILLOW LANE
Fresh renovations have just been completed on this beautifully updated four-bedroom, two-and-a-half-bathroom home with a two-car garage, located at 38851 Opal Willow Lane in Zephyrhills! Featuring fresh interior paint, brand-new flooring, and new baseboards throughout, this move-in-ready home offers a bright, modern feel from the moment you step inside. The functional floor plan provides four spacious bedrooms and two and a half bathrooms, offering plenty of room for comfortable everyday living. Step outside to enjoy the fully fenced backyard - perfect for relaxing, entertaining, or giving your furry friend space to play. Conveniently located near shopping, dining, schools, parks, and major roadways, this home combines modern updates with an excellent location. One pet welcome (30 lb. maximum; no aggressive breeds). This home is vacant, available now, and ready for immediate occupancy.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,340
Sqft
0.15 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$178 /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
$178/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 Zephyrhills actives
$1 vs $176
Days on market
13 vs 48 typical
Where $1/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 → $363K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
207 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 99% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38851 OPAL WILLOW LANE
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$300,000
3308 POPPY SNOW PLACE · same community
3 bd · 2 ba · 1,506 sqft · $199/sqft · 133 DOM
Sold · Apr ’26$298,000
38662 FINN CLOVER LANE · same community
3 bd · 2 ba · 1,506 sqft · $198/sqft · 60 DOM
Sold · Jan ’26$413,039
37751 FRASER ROAD
4 bd · 2 ba · 2,333 sqft · $177/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 38851 OPAL WILLOW LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38851 OPAL WILLOW LANE — 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
38851 OPAL WILLOW LANE FAQs
What would the monthly payment be for 38851 OPAL WILLOW LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $178/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 38851 OPAL WILLOW LANE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 $2,500, this home is listed about 99% below the Zephyrhills median of $319,945. The market section on this page shows how the area is trending.
Which schools are assigned to 38851 OPAL WILLOW LANE?+
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 WRIGHT DAVIS REAL ESTATE · Chelsie Lewis. MLS #TB8527543.
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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