38536 CONE DRIVE, ZEPHYRHILLS, FL, 33540
Active6 days on marketListed Jul 26, 2026MLS #TB8532488
About this home
38536 CONE DRIVE
Step into easy Florida living in this charming 2-bedroom, 2-bath mobile home located in a vibrant 55+ community where neighbors become friends and every day feels a little brighter. Perfectly positioned on a corner lot, this home offers added privacy while keeping you just steps from the clubhouse, pool, shuffleboard courts, and community activities—all right behind your backyard. Inside, you’ll find a warm and welcoming layout with a bonus room that can easily serve as a 3rd bedroom, office, craft space, or guest retreat. The home comes partially furnished, making your move simple and stress-free. Bring your pets and your golf cart—both are welcome here. And with an impressively low HOA fee of only $500 per year, you get fantastic amenities without the high cost. Whether you’re running errands or enjoying a day out, you’ll love being close to shopping, medical facilities, restaurants, and downtown attractions. Everything you need is just minutes away. This is more than a home—it’s a lifestyle of comfort, convenience, and community. Come see why this property is the perfect place to enjoy your next chapter.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,152
Sqft
0.13 ac
Lot size
1977
Year built
One
Levels
$130
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.
$1,308 /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
$1,308/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
+3.6%
$/sqft vs Zephyrhills actives
$130 vs $170
Days on market
6 vs 44 typical
Where $130/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 Shady Oaks Mobile Modular Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Shady Oaks Mobile Modular Estates — neighborhood snapshot
Population
325
Median age
68
Median income
$39,655
Median home value
$75,000
Avg household
2
Households w/ children
11%
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)
199 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 55% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38536 CONE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$82,000
38553 STAFFORD DRIVE · same community
2 bd · 2 ba · 1,208 sqft · $68/sqft · 21 DOM
Sold · Jan ’26$40,000
38620 MONET DRIVE · same community
2 bd · 2 ba · 1,056 sqft · $38/sqft · 62 DOM
Sold · Oct ’25$87,500
3732 MULLER DRIVE · same community
2 bd · 2 ba · 1,008 sqft · $87/sqft · 147 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 38536 CONE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38536 CONE 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
38536 CONE DRIVE FAQs
What would the monthly payment be for 38536 CONE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,308/mo — principal and interest, the actual property-tax bill, the $42/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 38536 CONE DRIVE?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 38536 CONE DRIVE?+
The most recent tax bill on record (2026) was $1,874. 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 38536 CONE DRIVE?+
The listing reports pets: Breed Restrictions, Cats 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 Zephyrhills?+
At $150,000, this home is listed about 51% below the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38536 CONE DRIVE?+
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 BINGHAM REALTY INC · Jo Uber. MLS #TB8532488.
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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