3047 ADAMS CROSS DRIVE, ZEPHYRHILLS, FL, 33540
Active121 days on marketListed Jul 9, 2026MLS #TB8527623
About this home
3047 ADAMS CROSS DRIVE
Short Sale. Welcome the desirable Cobblestone community of Zephyrhills! This stunning 2023-built home offers the perfect blend of modern design, comfort, and functionality with 4 bedrooms, 3.5 bathrooms, and a spacious open-concept layout. Step inside to discover a beautifully designed living space featuring contemporary finishes, a well-appointed kitchen perfect for entertaining, and a generous primary suite offering a private retreat. The thoughtfully designed two-story floor plan provides plenty of space for family, guests, or a home office, with additional bedrooms and flexible living areas upstairs. An attached two-car garage adds convenience and extra storage. Enjoy the benefits of newer construction with a low-maintenance lifestyle in the welcoming Cobblestone community, conveniently located near shopping, dining, schools, and major roadways.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,615
Sqft
0.15 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$137
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 and the real association fee — not generic estimates.
$3,436 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,436/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−19.8%
$/sqft vs COBBLESTONE
$137 vs $164
Days on market
121 vs 59 typical
Where $137/sqft sits among the 10 homes for sale in COBBLESTONE
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
11,390
Median age
53.4
Median income
$56,387
Median home value
$142,800
Avg household
2.33
Households w/ children
850
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
$335K → $303K
Zephyrhills median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
4 of 10
COBBLESTONE have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% above the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 3047 ADAMS CROSS 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$400,000
3343 FALL HARVEST DRIVE · same community
4 bd · 3 ba · 2,615 sqft · $153/sqft · 7 DOM
Sold · Jun ’26$400,000
3343 FALL HARVEST DRIVE · same community
4 bd · 3 ba · 2,615 sqft · $153/sqft · 0 DOM
Sold · Dec ’25$446,500
3357 FALL HARVEST DRIVE · same community
4 bd · 3 ba · 2,615 sqft · $171/sqft · 0 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
Arbel Joseph
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3047 ADAMS CROSS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3047 ADAMS CROSS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Arbel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3047 ADAMS CROSS DRIVE FAQs
What would the monthly payment be for 3047 ADAMS CROSS DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,436/mo — principal and interest, the actual property-tax bill, the $13/mo association fee 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.
How much are the HOA fees at 3047 ADAMS CROSS DRIVE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3047 ADAMS CROSS DRIVE?+
The most recent tax bill on record (2025) was $7,680. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3047 ADAMS CROSS DRIVE?+
The listing reports pets: Yes. 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 $359,000, this home is listed about 20% above the Zephyrhills median of $299,777. The market section on this page shows how the area is trending.
Which schools are assigned to 3047 ADAMS CROSS DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of AGILE GROUP REALTY · Megan Burnett. MLS #TB8527623.
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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