38190 SHALE STONE COURT, ZEPHYRHILLS, FL, 33540
Active6 days on marketListed Aug 5, 2026MLS #TB8535940
About this home
38190 SHALE STONE COURT
STUNNING & HIGHLY SOUGHT-AFTER M/I HOMES MIRA LAGO FLOOR PLAN! WATERFRONT! TWO PRIMARY SUITES! Welcome to this meticulously maintained, like-new home loaded with premium upgrades and situated on a gorgeous private waterfront cul-de-sac homesite in the highly desirable Cobblestone community. This stunning M/I Homes Mira Lago floor plan offers approximately 3,761 square feet of luxurious living space with 5 bedrooms, 4 full bathrooms, a spacious bonus room, and an oversized 2-car garage, providing the perfect blend of elegance, comfort, and functionality. The Mira Lago is one of M/I Homes' most popular floor plans, known for its spacious open-concept design and flexible living spaces. A beautiful brick-paver driveway and walkway lead to the impressive front entrance. Step inside the grand foyer featuring soaring ceilings and beautiful tile flooring throughout most of the first floor. The formal dining room is ideal for hosting family gatherings and dinner parties. The chef-inspired kitchen is truly the heart of the home, showcasing extended 42-inch stacked cabinetry with crown molding, upgraded stainless steel appliances, a custom canopy range hood, built-in wall oven, cooktop, granite countertops, oversized island, custom pantry, breakfast bar, upgraded lighting, and a spacious casual dining area. The expansive family room is perfect for entertaining and features oversized sliding glass doors that open to the covered lanai, creating seamless indoor-outdoor living. Relax while enjoying breathtaking sunset views overlooking the peaceful water and conservation area. The large backyard offers plenty of space for outdoor entertaining, barbecues, and family gatherings. Need a private space for In-Laws, extended family or guests? The first floor features one of two luxurious primary suites, complete with a large walk-in closet and a beautifully appointed en-suite bathroom featuring dual vanities and a spacious walk-in shower. Upstairs, you'll find the impressive owner's retreat with another large walk-in closet and an upgraded spa-inspired bathroom offering dual granite vanities with a dedicated makeup area and an oversized walk-in shower finished with designer tile. Additional spacious secondary bedrooms share a full bathroom, while the enormous bonus room provides endless possibilities as a game room, media room, home theater, fitness room, or playroom. Residents of Cobblestone enjoy outstanding community amenities, including a resort-style pool, playground, park, and green spaces, all conveniently located near SR 56, SR 54, US-301, shopping, dining, hospitals, golf courses, The Shops at Wiregrass, Tampa Premium Outlets, KRATE at the Grove, Tampa International Airport, downtown Tampa, and top-rated schools. This exceptional home truly has it all and is a must-see! Schedule your private showing today before this incredible opportunity is gone!
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,761
Sqft
0.15 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$140
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.
$4,409 /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
$4,409/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
−13.4%
$/sqft vs Zephyrhills actives
$140 vs $172
Days on market
6 vs 49 typical
Where $140/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 → $340K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
187 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 56% above the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38190 SHALE STONE COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$455,230
3082 ADAMS CROSS DRIVE · same community
5 bd · 3 ba · 3,531 sqft · $129/sqft · 77 DOM
Sold · Aug ’25$523,699
3312 FALL HARVEST DRIVE · same community
5 bd · 4 ba · 3,531 sqft · $148/sqft · 40 DOM
Sold · Jan ’26$450,000
3114 FALL HARVEST DRIVE · same community
5 bd · 3 ba · 3,531 sqft · $127/sqft · 31 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 38190 SHALE STONE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38190 SHALE STONE 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
38190 SHALE STONE COURT FAQs
What would the monthly payment be for 38190 SHALE STONE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,409/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 38190 SHALE STONE 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 38190 SHALE STONE COURT?+
The most recent tax bill on record (2025) was $10,959. 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 38190 SHALE STONE COURT?+
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 $525,000, this home is listed about 64% above the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38190 SHALE STONE 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.
The brief
Three things that matter here
01Positioned at the premium end
$525,000 runs 56% above the ZEPHYRHILLS 33540 median — but at 3,761 sqft it's also nearly twice the size of the typical Zephyrhills listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 6 days on market in a Zephyrhills market that averages 49 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of SIGNATURE REALTY ASSOCIATES · Christina Barone. MLS #TB8535940.
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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