CENTURY 21 Edge
$439,900$485,0003 bd2 ba1,352 sqft$325 /sqft$3,050 /mo all-in ↓

40949 JERRY ROAD, ZEPHYRHILLS, FL, 33540

Active98 days on marketListed May 2, 2026MLS #TB8504086

Reduced $45KManufactured HomeCRYSTAL SPRING COLONY FARMS

About this home

40949 JERRY ROAD

5 usable acres in Zephyrhills, Florida, offering the perfect blend of privacy, functionality, and peaceful country living. This beautifully maintained 2016 manufactured home features 3 bedrooms, 2 bathrooms, and an open-concept floor plan designed for comfortable everyday living. Enjoy peaceful mornings from the covered front porch and unwind in the evenings on the expansive rear deck overlooking open pasture, majestic grandfather oak trees, and breathtaking Florida sunsets. Whether you're searching for a horse property, hobby farm, mini farm, homestead, agricultural property, country estate, or private family retreat, this versatile property is ready to accommodate your lifestyle. The property is fully equipped with a large pole barn featuring a tack room, three storage sheds, fenced areas previously used for livestock, and abundant space for horses, cattle, goats, chickens, sheep, pigs, and virtually any type of livestock. There's also plenty of room for gardens, greenhouses, workshops, agricultural projects, ATVs, UTVs, RVs, boats, trailers, heavy equipment, and all your outdoor hobbies. With no HOA, no deed restrictions, and high-and-dry usable acreage, you'll enjoy the freedom to create the lifestyle you've always wanted. Whether you're looking for a self-sufficient homestead, a hobby farm, a home-based business, a place for recreational vehicles, or a property that provides space for multi-generational living, this property offers flexibility that's becoming increasingly difficult to find. The property is Greenbelt eligible, offering the potential for valuable agricultural tax savings, and qualifies for USDA financing, making homeownership even more attainable for eligible buyers. The property is serviced by a private well and septic system, providing the independence many rural property buyers are seeking. Seller believes the property may offer additional parcel division or future development potential; buyer to independently verify all zoning, future land use, parcel configuration, and development opportunities with Pasco County. Conveniently located just minutes from downtown Zephyrhills, shopping, dining, schools, and medical facilities, this property offers the best of both worlds—peaceful rural living with convenient access to modern amenities. Located approximately 15 minutes from Wesley Chapel, 15 minutes from Dade City, 45 minutes from Tampa, and about one hour from Orlando, you'll enjoy easy access to Tampa International Airport, world-class dining, Gulf Coast beaches, major employment centers, and Central Florida attractions while coming home to your own private country retreat. If you've been searching for acreage for sale in Zephyrhills, a Florida horse property, homestead property, country home with land, USDA-eligible home, Greenbelt property, mini farm, hobby farm, or a move-in-ready home on acreage with barns, outbuildings, and room for livestock, this is a rare opportunity you won't want to miss.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,352

Sqft

5 ac

Lot size

2016

Year built

One

Levels

$325

Per sqft

Inside

FlooringCarpet · Luxury Vinyl
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Dryer · Exhaust Fan · Refrigerator · Washer
InteriorAttic Fan · Ceiling Fan(s) · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Thermostat
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionVinyl Siding
FoundationOther
FacesSouth
ExteriorOther · Private Entrance · Storage

Community & fees

Taxes (2025)$1,269/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,050 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property tax — 2025 actual bill$106
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,397Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,397
Interest rate6.00%
Loan term

Estimated payment

$3,050/mo

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property taxes (actual bill)$106
Est. insurance$160

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

$325 vs $175

Days on market

98 vs 48 typical

Where $325/sqft sits among the 400 Zephyrhills actives

93
135
113
42
8
9 · this home
$110–146$146–182$182–218$218–254$254–289$289+

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

Map of 40949 JERRY ROAD

Drive times from this address

Downtown Tampa44 min
Tampa Int’l Airport (TPA)55 min
Walt Disney World68 min

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

MiddleRaymond B. Stewart Middle School★★★★
HighZephyrhills High School★★★★
ElementaryChester W. Taylor Junior Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Zephyrhills market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s market

$331K$340K

Zephyrhills median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

187 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 33% above the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →

Paper trail

This home's history

CurrentPrice reduced to $439,900 $45K
May 2, 2026Listed at $485,000 · 98 days on market since
2016Built · CRYSTAL SPRING COLONY FARMS

Reality check

What actually sold near 40949 JERRY ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

39946 DAWSON CHASE DRIVESold · Mar ’26

$300,000

39946 DAWSON CHASE DRIVE

3 bd · 2 ba · 1,540 sqft · $195/sqft · 73 DOM

39822 HARMON GROVE COURTSold · Apr ’26

$305,000

39822 HARMON GROVE COURT

4 bd · 2 ba · 1,810 sqft · $169/sqft · 463 DOM

1814 WISE ROADSold · Apr ’26

$550,000

1814 WISE ROAD

4 bd · 2 ba · 2,322 sqft · $237/sqft · 8 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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 40949 JERRY ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 40949 JERRY ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

40949 JERRY ROAD FAQs

What would the monthly payment be for 40949 JERRY ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,050/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 40949 JERRY ROAD?+

The most recent tax bill on record (2025) was $1,269. 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 $439,900, this home is listed about 36% above the Zephyrhills median of $324,495. The market section on this page shows how the area is trending.

Which schools are assigned to 40949 JERRY 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

01Positioned at the premium end

$439,900 runs 33% above the ZEPHYRHILLS 33540 median.

02Time on market is leverage

98 days on market against a Zephyrhills median of 48 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $485,000, now $439,900 — a $45K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER AQUATERRA REALTY · Chelsea Rose. MLS #TB8504086.

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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40949 JERRY ROAD, ZEPHYRHILLS, FL — 3 Bed, 2 Bath — $439,900 | CENTURY 21 Edge