38706 CALVIN AVENUE, ZEPHYRHILLS, FL, 33542
Active27 days on marketListed Jul 16, 2026MLS #TB8529345
About this home
38706 CALVIN AVENUE
USDA 100% FINANCING AVAILABLE !!!! Seller contributing up to $10,000 towards buyer's closing costs, pre-paids and/or rate buy down !!!! First time home buyer programs available for qualified buyers !!!!! Welcome to 38706 Calvin Avenue—Where Modern Comfort Meets Affordable Florida Living! If you've been dreaming of owning a beautifully renovated home without the burden of high monthly expenses, restrictive communities, or costly repairs, this Zephyrhills gem is the opportunity you've been waiting for! This stunning home has been completely transformed from top to bottom, offering the peace of mind of a nearly new home while maintaining the charm, space, and affordability buyers love. Featuring a new roof (2024) and an extensive 2026 renovation, every detail has been thoughtfully upgraded—including a brand-new HVAC system with new ductwork, new plumbing, new electrical system, luxury vinyl plank flooring, fully remodeled bathrooms, modern lighting, and designer finishes throughout. The heart of the home is the gorgeous updated kitchen, showcasing sleek stainless steel appliances, sparkling quartz countertops, beautiful cabinetry, and plenty of workspace—perfect for everyday meals, entertaining friends, and creating lasting memories. The spacious primary suite offers a private retreat with a beautifully remodeled en-suite bathroom featuring a modern double vanity and stylish finishes. The oversized family room provides plenty of space to relax, gather, and enjoy the lifestyle you've always wanted. Step outside and discover your own private Florida backyard! Sitting on nearly 8,000 square feet, this property offers room to garden, entertain, enjoy evenings around the fire pit, or create the outdoor oasis you've been dreaming about. A backyard shed provides additional storage for all your tools and toys. Enjoy the freedom and savings that come with NO HOA, NO DEED RESTRICTIONS, NO CDD FEES, and NO FLOOD INSURANCE REQUIRED. Located outside city limits, this home also benefits from more affordable property taxes—helping you keep more money in your pocket. Conveniently located near US Highway 301, major roadways, healthcare facilities such as AdventHealth Zephyrhills, shopping, restaurants, grocery stores, parks, and entertainment, this home offers the perfect balance of peaceful living and everyday convenience. Whether you're a first-time buyer ready to stop renting, looking for a place to grow, or searching for a move-in-ready home with long-term value, this home delivers the lifestyle, freedom, and affordability you've been looking for. Schedule your private showing today and experience this incredible Zephyrhills transformation!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,677
Sqft
0.18 ac
Lot size
1981
Year built
One
Levels
$196
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.
$2,305 /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
$2,305/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
+10.1%
$/sqft vs Zephyrhills actives
$196 vs $170
Days on market
27 vs 51 typical
Where $196/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 Zephyr Acres
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Zephyr Acres — neighborhood snapshot
Population
130
Median age
41
Median income
$41,875
Avg household
2
Households w/ children
13%
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 → $341K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
195 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 88% above the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38706 CALVIN AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$305,000
3082 FORREST PLUM COURT
3 bd · 2 ba · 1,680 sqft · $182/sqft · 48 DOM
Sold · Jan ’26$336,250
3156 FALL HARVEST DRIVE
3 bd · 2 ba · 1,758 sqft · $191/sqft · 37 DOM
Sold · Apr ’26$305,000
39822 HARMON GROVE COURT
4 bd · 2 ba · 1,810 sqft · $169/sqft · 463 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 38706 CALVIN AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38706 CALVIN AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
38706 CALVIN AVENUE FAQs
What would the monthly payment be for 38706 CALVIN AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,305/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 38706 CALVIN AVENUE?+
The most recent tax bill on record (2025) was $719. 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 $329,500, this home is listed about 2% above the Zephyrhills median of $324,495. The market section on this page shows how the area is trending.
Which schools are assigned to 38706 CALVIN AVENUE?+
Raymond B. Stewart Middle School (middle), West Zephyrhills Elementary School (elementary), Zephyrhills High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Ana Vega, Pa. MLS #TB8529345.
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 38706 CALVIN AVENUE 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 Alek to ping you on any price or status change →