40545 STEWART ROAD, ZEPHYRHILLS, FL, 33540
Active158 days on marketListed Mar 6, 2026MLS #TB8482622
About this home
40545 STEWART ROAD
Short Sale. Welcome to peaceful country living in Zephyrhills, FL! This well-maintained manufactured home at 40545 Stewart Rd sits on an expansive lot that offers privacy, open outdoor space, and the freedom of NO HOA and NO CDD fees. Whether you need extra space for a boat, an RV, or a custom workshop, this property provides the flexibility that modern homeowners are looking for. Inside, the home features a bright, open-concept floor plan designed for easy daily living. The spacious kitchen serves as the heart of the home, equipped with a center island, modern cabinetry, and ample prep space—perfect for everyday meals and entertaining. Durable vinyl plank flooring runs through the living areas, leading to comfortable bedrooms and a dedicated laundry area for added convenience. Outside, the large backyard serves as a blank canvas for your outdoor projects or Florida lifestyle needs. You are located just minutes from US-301, SR-54, local shopping, and dining, offering a straightforward commute to Wesley Chapel and Tampa. Whether you are looking for a primary residence, a rental investment, or an affordable Florida home with land, this property offers great potential.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,512
Sqft
0.42 ac
Lot size
2021
Year built
One
Levels
$152
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 — not generic estimates.
$1,905 /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
$1,905/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
−30.8%
$/sqft vs UNPLATTED
$152 vs $301
Days on market
158 vs 49 typical
Where $152/sqft sits among the 183 homes for sale in UNPLATTED
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)
99 of 183
UNPLATTED have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 40545 STEWART ROAD
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$415,000
7045 STAFFORD ROAD · same community
3 bd · 2 ba · 1,536 sqft · $270/sqft · 106 DOM
Sold · Dec ’25$400,000
807 SEABREEZE DRIVE · same community
2 bd · 2 ba · 1,618 sqft · $247/sqft · 5 DOM
Sold · Dec ’25$275,000
11223 SLIGH AVENUE · same community
3 bd · 2 ba · 1,620 sqft · $170/sqft · 448 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 40545 STEWART ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40545 STEWART ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
40545 STEWART ROAD FAQs
What would the monthly payment be for 40545 STEWART ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,905/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 40545 STEWART ROAD?+
The most recent tax bill on record (2025) was $3,472. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Zephyrhills?+
At $230,000, this home is listed about 28% below the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 40545 STEWART ROAD?+
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
01Under the ZEPHYRHILLS 33540 market on paper
$230,000 is 32% below the ZEPHYRHILLS 33540 median of $336,764, and at $152/sqft it sits under the Zephyrhills average of $179.
02Time on market is leverage
158 days on market against a Zephyrhills median of 49 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $245,000, now $230,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · De'Erika Watson. MLS #TB8482622.
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.
Never miss a listing
New Zephyrhills homes, in your inbox
Like 40545 STEWART ROAD but not quite? A daily digest of every new listing in Zephyrhills — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Nicholas to ping you on any price or status change →