40845 COUNTY ROAD 54, ZEPHYRHILLS, FL, 33540
Active18 days on marketListed Jul 22, 2026MLS #TB8529546
About this home
40845 COUNTY ROAD 54
GREAT LOCATION ! NO HOA ! COME BUILD YOUR DREAM HOME ON THIS SPACIOUS 2+ ACRE LOT ! CHOOSE YOUR OWN BUILDER AND THIS LAND IS READY TO START CONSTRUCTION ! YOUR NEW LOT WILL REQUIRE A WELL AND SEPTIC TANK SO YOUR MONTHLY UTILITY COSTS WILL BE MUCH LOWER ! THIS VACANT LAND IS LOCATED NEAR SCHOOLS, SHOPPING, MEDICAL FACILITIES, RESTAURANTS, CHURCHES, RECREATION AND MUCH MORE ! YOU HAVE PLENTY OF SPACE TO DESIGN YOUR NEW CUSTOM HOME WITH ROOM FOR DETACHED GARAGE/WORKSHOP AND EVEN A PRIVATE POOL ! PLEASE CALL YOUR AGENT TODAY TO SCHEDULE A WALKING TOUR OF THIS PROPERTY !
Facts & features
The home at a glance
2.03 ac
Lot size
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.
$1,031 /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
$1,031/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.
Where it sits
Inside Frontier Acres
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Frontier Acres — neighborhood snapshot
Population
50
Median age
65
Median income
$44,022
Median home value
$112,300
Avg household
2
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)
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 62% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 40845 COUNTY ROAD 54
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$143,000
39652 ELGIN DRIVE
3 bd · 2 ba · 960 sqft · $149/sqft · 115 DOM
Sold · Mar ’26$215,000
7040 GLORY ROAD
4 bd · 1.5 ba · 1,056 sqft · $204/sqft · 146 DOM
Sold · Oct ’25$150,000
40111 PRETTY REDBIRD ROAD
2 bd · 1 ba · 1,200 sqft · $125/sqft · 185 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 40845 COUNTY ROAD 54 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40845 COUNTY ROAD 54 — 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
40845 COUNTY ROAD 54 FAQs
What would the monthly payment be for 40845 COUNTY ROAD 54?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,031/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 40845 COUNTY ROAD 54?+
The most recent tax bill on record (2025) was $961. 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 40845 COUNTY ROAD 54?+
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 $125,000, this home is listed about 61% below the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 40845 COUNTY ROAD 54?+
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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA EXECUTIVE REALTY · Brian Allen. MLS #TB8529546.
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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