30807 PENNY SURF LOOP, WESLEY CHAPEL, FL, 33545
Active8 days on marketListed Jul 15, 2026MLS #TB8529108
About this home
30807 PENNY SURF LOOP
Welcome to this beautifully upgraded 5-bedroom, 3-bathroom lakefront home located in the highly sought-after Epperson Ranch Lagoon Community in Wesley Chapel. Built with comfort and style in mind, this newer construction home features a two-car garage, keyless entry, a smart garage door opener, and an open-concept layout designed for modern living. Inside, you'll find a bright and airy floor plan with ceramic tile and plush carpet throughout. The heart of the home is the chef's dream kitchen, complete with rich dark wood cabinetry, granite countertops, stainless steel appliances, a spacious center island perfect for meal prep and entertaining, and a large walk-in pantry for exceptional storage. An included washer and dryer provide added convenience. The luxurious primary suite serves as a private retreat, featuring a spa-inspired en-suite bathroom with dual vanities, an extra-large walk-in shower, and a spacious walk-in closet. With five generously sized bedrooms, there's plenty of room for family, guests, a home office, or a flex space to fit your lifestyle. Step outside to your own private backyard oasis featuring a large concrete patio, an expansive fenced yard with a combination of lush green space and stylish pavers, and breathtaking lake viewsthe perfect setting for relaxing, entertaining, or enjoying Florida's beautiful weather. Living in Epperson Ranch means enjoying exclusive access to the world-famous Crystal Lagoon included, where you can spend your days swimming, kayaking, paddleboarding, relaxing on sandy beaches, enjoying tiki huts, or tackling the floating obstacle course. The community also offers dog parks, playgrounds, scenic walking trails, and is conveniently located near top-rated schools, shopping, dining, entertainment, and major highways. This exceptional lakefront home truly offers the perfect combination of space, luxury, convenience, and resort-style living. In addition to the advertised base rent, all residents are enrolled in the Resident Benefits Package (RBP) for $50.00 per month, which includes HVAC air filter delivery, credit building to help boost your credit score through timely rent payments, utility concierge service to simplify move-in, and much more. Additional details are available upon application. Internet is included in the rent. Pets are welcome with owner approval (maximum 2 pets, 40 lbs. each). A $50 HOA application fee applies. This home is currently occupied and will be available beginning September 7, 2026.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,447
Sqft
0.15 ac
Lot size
2
Garage
2022
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.
$181 /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
$181/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.
Where it sits
Inside Epperson
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Wesley Chapel. See the full Wesley Chapel guide →
Epperson — neighborhood snapshot
Population
3,917
Median age
31
Median income
$131,369
Median home value
$397,700
Avg household
4
Households w/ children
454
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Wesley Chapel market
$440K → $435K
Wesley Chapel median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
Median sold price, Wesley Chapel, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the WESLEY CHAPEL 33545 median. See the full Wesley Chapel market guide →
Paper trail
This home's history
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 30807 PENNY SURF LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 30807 PENNY SURF LOOP — 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
30807 PENNY SURF LOOP FAQs
What would the monthly payment be for 30807 PENNY SURF LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $181/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 30807 PENNY SURF LOOP?+
The listing reports pets: Cats OK, Dogs OK, Number 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 Wesley Chapel?+
At $2,900, this home is listed about 99% below the Wesley Chapel median of $434,500. The market section on this page shows how the area is trending.
Which schools are assigned to 30807 PENNY SURF LOOP?+
Wesley Chapel High School (high), Thomas E. Weightman Middle School (middle), Watergrass Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of WRIGHT DAVIS REAL ESTATE · Chelsie Lewis. MLS #TB8529108.
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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