38732 TALL DRIVE, ZEPHYRHILLS, FL, 33540
Active147 days on marketListed Mar 16, 2026MLS #TB8487204
About this home
38732 TALL DRIVE
One or more photo(s) has been virtually staged. CHARMING 3/2.5-bath home, convenient to all shopping and restaurants. Open floor plan with kitchen, living, and dining room. The garage has been enclosed, making a great family room. Discover the perfect blend of comfort and convenience. Situated on a large .37-acre lot, the backyard could be fenced to create your private "dreamscape". There's room for a fire pit, pets, tots, toys! All this and the freedom of NO HOA. Don't miss this opportunity to make this charming house your new home! New roof in June 2026 and AC replaced in 2023.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,512
Sqft
0.37 ac
Lot size
1981
Year built
One
Levels
$198
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.
$2,349 /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
$2,349/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
$198 vs $176
Days on market
147 vs 49 typical
Where $198/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 Cambridge Clark Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Cambridge Clark Estates — neighborhood snapshot
Population
753
Median age
45
Median income
$64,081
Median home value
$183,000
Avg household
3
Households w/ children
69%
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)
188 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 9% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38732 TALL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$150,000
37617 AMIGO DRIVE
2 bd · 2 ba · 1,482 sqft · $101/sqft · 160 DOM
Sold · May ’26$299,900
6917 OAKCREST WAY
3 bd · 2 ba · 1,432 sqft · $209/sqft · 76 DOM
Sold · Dec ’25$235,000
38839 MILLER AVENUE
3 bd · 2 ba · 1,596 sqft · $147/sqft · 2 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 38732 TALL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38732 TALL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
38732 TALL DRIVE FAQs
What would the monthly payment be for 38732 TALL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,349/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 38732 TALL DRIVE?+
The most recent tax bill on record (2025) was $3,482. 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 $300,000, this home is listed about 7% below the Zephyrhills median of $322,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38732 TALL DRIVE?+
Zephyrhills High School (high), Woodland Elementary School (elementary), Centennial Middle School (middle) — 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
$300,000 is 9% below the ZEPHYRHILLS 33540 median of $330,000.
02Time on market is leverage
147 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 $340,000, now $300,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SUNSHINE REALTY COMPANY LLC · Jill Thomas. MLS #TB8487204.
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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