2302 LONE TREE BEND, ZEPHYRHILLS, FL, 33541
Active346 days on marketListed Aug 25, 2025MLS #O6338794
About this home
2302 LONE TREE BEND
The Catalina optimizes space and comfort with a drop zone, laundry room, and linen closet all conveniently placed next to the 2-car garage entrance. The front of the home embraces 3 full bedrooms and 2 shared baths, and leads to an open gathering room, kitchen, dining area. The large gathering area overlooks a covered lanai that sits adjacent to the master bedroom, which includes an ensuite bath and oversized walk-in closet.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,468
Sqft
0.15 ac
Lot size
2
Garage
2025
Year built
One
Levels
$235
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.
$4,179 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,179/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+13.8%
$/sqft vs TWO RIVERS
$235 vs $193
Days on market
346 vs 47 typical
Where $235/sqft sits among the 89 homes for sale in TWO RIVERS
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 33541 — neighborhood snapshot
Population
23,913
Median age
57.8
Median income
$55,556
Median home value
$111,300
Avg household
2.21
Households w/ children
1,812
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)
53 of 89
TWO RIVERS have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 78% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 2302 LONE TREE BEND
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$440,000
37048 SAGEMOOR DRIVE · same community
5 bd · 3 ba · 2,470 sqft · $178/sqft · 8 DOM
Sold · Nov ’25$391,990
36179 SUNFLOWER HILL DRIVE · same community
5 bd · 3 ba · 2,453 sqft · $160/sqft · 134 DOM
Sold · Dec ’25$482,470
2237 STRATTEN DRIVE · same community
4 bd · 3 ba · 2,537 sqft · $190/sqft · 149 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
Jillian Kobylesky
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2302 LONE TREE BEND — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2302 LONE TREE BEND — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2302 LONE TREE BEND FAQs
What would the monthly payment be for 2302 LONE TREE BEND?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,179/mo — principal and interest, the actual property-tax bill, the $63/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 2302 LONE TREE BEND?+
The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2302 LONE TREE BEND?+
The most recent tax bill on record (2024) was $7,307. 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 2302 LONE TREE BEND?+
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 $579,990, this home is listed about 81% above the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2302 LONE TREE BEND?+
Chester W. Taylor Junior 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.
The brief
Three things that matter here
01Positioned at the premium end
$579,990 runs 78% above the ZEPHYRHILLS 33541 median — but at 2,468 sqft it's also 50% larger than the typical Zephyrhills listing.
02Time on market is leverage
346 days on market against a Zephyrhills median of 47 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $692,340, now $579,990 — a $112K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARK SQUARE REALTY · Suresh Gupta. MLS #O6338794.
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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