2785 GARDINER LANE, ZEPHYRHILLS, FL, 33541
Active184 days on marketListed Feb 9, 2026MLS #TB8474611
About this home
2785 GARDINER LANE
One or more photo(s) has been virtually staged. One or more photo(s) has been virtually staged. Your search for a newer, spacious waterfront home in a quiet yet convenient location ends here. Welcome to Two Rivers Northwater, a desirable community in Zephyrhills, ideally situated on SR 56 Road, a peaceful, rural atmosphere. This beautiful two-story home offers approximately 2,400 square feet of living space with 4 bedrooms, 3 bathrooms, a large loft, and a 2-car garage, all complemented by a serene pond view from the backyard. One of the standout features is the first-floor bedroom with a full bath, ideal for guests or multigenerational living. The owner’s suite and two additional generously sized bedrooms are located upstairs, thoughtfully separated from the main living areas for added privacy. A spacious open loft provides endless possibilities—home office, media room, play area, or additional lounge space. The first floor welcomes you with an open-concept layout that seamlessly connects the living, family, kitchen, and dining areas—perfect for entertaining and everyday living. Residents of NorthWater enjoy community amenities including a clubhouse, swimming pool, and park, while still having the luxury of a private backyard overlooking the water, perfect for relaxing evenings and weekends. House is priced very competitively for a quick sale. Come experience the comfort, space, and tranquility this exceptional home and community have to provide.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,371
Sqft
0.13 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$177
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.
$2,831 /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
$3,216/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−15.1%
$/sqft vs TWO RIVERS
$177 vs $193
Days on market
184 vs 51 typical
Where $177/sqft sits among the 95 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 → $341K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
31 of 95
TWO RIVERS have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 2785 GARDINER LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$359,990
36209 SUNFLOWER HILL DRIVE · same community
4 bd · 2.5 ba · 2,305 sqft · $156/sqft · 158 DOM
Sold · Dec ’25$359,990
2615 HARDIN WAY · same community
4 bd · 2.5 ba · 2,305 sqft · $156/sqft · 140 DOM
Sold · Dec ’25$359,990
36147 SUNFLOWER HILL DRIVE · same community
4 bd · 2.5 ba · 2,305 sqft · $156/sqft · 154 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2785 GARDINER LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2785 GARDINER LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2785 GARDINER LANE FAQs
What would the monthly payment be for 2785 GARDINER LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,831/mo — principal and interest, estimated property taxes, 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 2785 GARDINER LANE?+
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 2785 GARDINER LANE?+
The most recent tax bill on record (2024) was $0. 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 2785 GARDINER 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 $420,000, this home is listed about 29% above the Zephyrhills median of $324,495. The market section on this page shows how the area is trending.
Which schools are assigned to 2785 GARDINER LANE?+
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
$420,000 runs 29% above the ZEPHYRHILLS 33541 median — but at 2,371 sqft it's also 45% larger than the typical Zephyrhills listing.
02Time on market is leverage
184 days on market against a Zephyrhills median of 51 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $435,000, now $420,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BUYSELL REALTY PROS INC · veera Mettu. MLS #TB8474611.
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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