4739 SILVER CIRCLE, ZEPHYRHILLS, FL, 33541
Active200 days on marketListed Jan 15, 2026MLS #TB8465084
About this home
4739 SILVER CIRCLE
Enjoy the best of Florida living with this 2-bedroom, 2 bath villa in a well-kept Zephyrhills community. Perfectly positioned on a corner lot, this home is literally just steps from the community pool, ideal for morning laps or evening dips. Inside, you'll find vaulted ceiling and an open layout that creates a light, spacious atmosphere. The kitchen offers clean lines and convenience, including an adjacent laundry area. Relax on your screened front porch and watch the world go by. With 952 square feet of living space, this home is thoughtfully designed for comfort and functionality, perfect for a first-time homebuyer or someone looking to downsize.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
952
Sqft
0.05 ac
Lot size
1993
Year built
One
Levels
$179
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.
$1,668 /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
$1,668/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.
$/sqft vs Zephyrhills actives
$179 vs $170
Days on market
200 vs 47 typical
Where $179/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 Chalfont Villas
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Chalfont Villas — neighborhood snapshot
Population
80
Median age
62
Median income
$35,504
Median home value
$51,300
Avg household
2
Households w/ children
6%
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 → $363K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
202 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 48% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 4739 SILVER CIRCLE
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$50,000
3753 MULLER DRIVE
2 bd · 2 ba · 957 sqft · $52/sqft · 234 DOM
Sold · Feb ’26$65,000
38552 MONET DRIVE
2 bd · 2 ba · 960 sqft · $68/sqft · 429 DOM
Sold · Jan ’26$120,000
3710 CASTLE DRIVE
3 bd · 1.5 ba · 925 sqft · $130/sqft · 24 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4739 SILVER CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4739 SILVER CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4739 SILVER CIRCLE FAQs
What would the monthly payment be for 4739 SILVER CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,668/mo — principal and interest, the actual property-tax bill, the $130/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 4739 SILVER CIRCLE?+
The association fee works out to $130 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4739 SILVER CIRCLE?+
The most recent tax bill on record (2025) was $3,621. 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 4739 SILVER CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, 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 $170,000, this home is listed about 47% below the Zephyrhills median of $319,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4739 SILVER CIRCLE?+
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
Four things that matter here
01Under the ZEPHYRHILLS 33541 market on paper
$170,000 is 48% below the ZEPHYRHILLS 33541 median of $325,000.
02Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
200 days on market against a Zephyrhills median of 47 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $192,500, now $170,000 — a $23K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BILL NYE REALTY · Terry Dickerson. MLS #TB8465084.
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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