4550 CHARTER STREET, ZEPHYRHILLS, FL, 33542
Active43 days on marketListed Jun 29, 2026MLS #TB8524433
About this home
4550 CHARTER STREET
Move-in Ready and Well-Maintained 2 Bedroom, 2 Bathroom Home on a Corner Lot in the heart of Zephyrhills. From the Covered Carport, step into a Formal Dining Room that is surrounded by a bank of Windows and a Ceiling Fan. The Dining Room opens into the Kitchen and the Living Room. The fully equipped Kitchen has plenty of Cabinetry and Counterspace. The Living Room feels spacious. It has a Ceiling Fan, Decorative Stained-Glass Panels, and a Glass Slider to the Screened Lanai. The Primary Bedroom has a Walk-in Closet, Ceiling Fan, and En-Suite Bathroom with a Shower. The Second Bedroom is just as nice with a Double Closet, Ceiling Fan, and shared Full Bathroom. You will enjoy the outside year-round from the Screened Lanai. Toward the back of the Carport is a Laundry Closet with Washer, Dryer, and lots of additional Storage Space. Need more Storage, there is even a Detached Storage Shed on the Property for your additional items. Fantastic Location with easy access to Commuter Routes, Restaurants, and Retail Shopping. Pets permitted on a case-by-case basis with Owner's approval and a $350 per Pet Non-Refundable Pet Fee. The property is Professionally Managed and Maintained. There is a one-time $150 Administration/HOA Fee, a $75 Application Fee for each applicant 18 years or older. Applicants should have a minimum 600 credit score, Gross Monthly Income of at least 2.5 times the Monthly Rent, and stable Rental History (no Evictions or Tenant Collections).
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,008
Sqft
0.16 ac
Lot size
1989
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.
$171 /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
$171/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 $171
Days on market
43 vs 49 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 Zephyrhills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
ZEPHYRHILLS 33542 — neighborhood snapshot
Population
24,306
Median age
51.5
Median income
$49,011
Median home value
$129,900
Avg household
2.29
Households w/ children
2,122
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)
189 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 4550 CHARTER STREET
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$154,500
4550 CHARTER STREET · same community
2 bd · 2 ba · 1,008 sqft · $153/sqft · 8 DOM
Sold · Apr ’26$75,000
4710 ORANGE BLOSSOM DRIVE · same community
2 bd · 2 ba · 1,008 sqft · $74/sqft · 7 DOM
Sold · Dec ’25$115,000
4711 OLIVE DRIVE · same community
2 bd · 2 ba · 1,056 sqft · $109/sqft · 108 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 4550 CHARTER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4550 CHARTER STREET — 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
4550 CHARTER STREET FAQs
What would the monthly payment be for 4550 CHARTER STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $171/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 4550 CHARTER STREET?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, Size Limit. 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 $1,495, this home is listed about 100% below the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4550 CHARTER STREET?+
Zephyrhills High School (high), Woodland Elementary School (elementary), Raymond B. Stewart 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 33542 market on paper
$1,495 is 99% below the ZEPHYRHILLS 33542 median of $175,000, and at $1/sqft it sits under the Zephyrhills average of $179.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $1,595, now $1,495 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PIONEER REALTY · Mike Shorr. MLS #TB8524433.
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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