38939 NORTH AVENUE UNIT 2, ZEPHYRHILLS, FL, 33542
Active172 days on marketListed Feb 23, 2026MLS #TB8479221
About this home
38939 NORTH AVENUE UNIT 2
Charming 2-bedroom, 1-bath apartment located in Zephyrhills. Features a comfortable living area, functional kitchen, and well-sized bedrooms. Conveniently located near shopping, dining, and local amenities.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
870
Sqft
0.27 ac
Lot size
1980
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$169 /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
$169/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.
$/sqft vs Zephyrhills actives
$1 vs $170
Days on market
172 vs 51 typical
Where $1/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 Zephyr Breeze
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Zephyr Breeze — neighborhood snapshot
Population
149
Median age
53
Median income
$39,632
Median home value
$116,100
Avg household
2
Households w/ children
12%
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 → $342K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
218 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 99% below the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38939 NORTH AVENUE UNIT 2
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$230,000
6039 20TH STREET · same community
2 bd · 1.5 ba · 924 sqft · $249/sqft · 201 DOM
Sold · Oct ’25$275,000
6142 19TH STREET · same community
2 bd · 2 ba · 989 sqft · $278/sqft · 13 DOM
Sold · Dec ’25$299,800
5150 18TH STREET
3 bd · 1 ba · 873 sqft · $343/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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 38939 NORTH AVENUE UNIT 2 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38939 NORTH AVENUE UNIT 2 — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
38939 NORTH AVENUE UNIT 2 FAQs
What would the monthly payment be for 38939 NORTH AVENUE UNIT 2?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $169/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 38939 NORTH AVENUE UNIT 2?+
The listing reports pets: No. 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 $1,300, this home is listed about 100% below the Zephyrhills median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38939 NORTH AVENUE UNIT 2?+
Zephyrhills High School (high), Raymond B. Stewart Middle School (middle), Woodland 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
01Under the ZEPHYRHILLS 33542 market on paper
$1,300 is 99% below the ZEPHYRHILLS 33542 median of $179,450, and at $1/sqft it sits under the Zephyrhills average of $179.
02Time on market is leverage
172 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 $1,400, now $1,300 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS RLTY NEW TAMPA · Michele Norling. MLS #TB8479221.
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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