34826 CHELMSFORD LANE, ZEPHYRHILLS, FL, 33541
Active10 days on marketListed Jul 28, 2026MLS #TB8533067
About this home
34826 CHELMSFORD LANE
Build your dream home on this beautiful pond-front homesite in the established golf course community of Epping Forest at Lake Bernadette! Offering approximately 0.26 acres with 114 feet of pond frontage, this cleared, level lot provides a wonderful setting to create the home you've been envisioning. Public water, public sewer, and electricity are available, helping simplify the building process. Enjoy peaceful water views while taking advantage of the community's outstanding amenities, including a clubhouse, community pool, fitness center, tennis courts, basketball court, playground, recreation facilities, and golf course. Conveniently located near shopping, dining, schools, medical facilities, and major roadways, you'll enjoy easy access to everything Zephyrhills and the surrounding Tampa Bay area have to offer. Whether you're ready to build now or planning for the future, this homesite offers an excellent opportunity in a desirable community. Buyer should verify all community information, HOA requirements, building guidelines, dimensions, utilities, and any restrictions.
Facts & features
The home at a glance
0.26 ac
Lot size
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.
$829 /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
$829/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.
Where it sits
Inside Lake Bernadette
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Lake Bernadette — neighborhood snapshot
Population
3,799
Median age
47
Median income
$90,107
Median home value
$306,868
Avg household
3
Households w/ children
437
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 → $340K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 71% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 34826 CHELMSFORD LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$430,675
5352 CAMBERLEA AVENUE · same community
4 bd · 3 ba · 2,066 sqft · $208/sqft · 19 DOM
Sold · Aug ’25$375,000
5261 CAMBERLEA AVENUE · same community
4 bd · 3 ba · 2,447 sqft · $153/sqft · 122 DOM
Sold · Oct ’25$520,000
5137 EPPING LANE · same community
4 bd · 3 ba · 2,448 sqft · $212/sqft · 148 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 34826 CHELMSFORD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 34826 CHELMSFORD 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
34826 CHELMSFORD LANE FAQs
What would the monthly payment be for 34826 CHELMSFORD LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $829/mo — principal and interest, the actual property-tax bill, the $38/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 34826 CHELMSFORD LANE?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 34826 CHELMSFORD LANE?+
The most recent tax bill on record (2025) was $202. 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 34826 CHELMSFORD LANE?+
The listing reports pets: Yes. 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 $97,000, this home is listed about 70% below the Zephyrhills median of $324,990. The market section on this page shows how the area is trending.
Which schools are assigned to 34826 CHELMSFORD LANE?+
New River 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 54 REALTY LLC · Vikky Sevastianova. MLS #TB8533067.
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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