36659 THORNHEDGE DRIVE, ZEPHYRHILLS, FL, 33541
Active4 days on marketListed Aug 6, 2026MLS #TB8536744
About this home
36659 THORNHEDGE DRIVE
Under Construction. Esperanza BELOW MARKET INTEREST RATES with use of Seller's Preferred Lender. Meet the Esperanza, a single-story, multi-generational home designed for modern living with flexibility and comfort. This 4-bedroom, 3-bathroom, 2-car garage home features a separate multi-gen suite with its own bathroom and kitchenette, ideal for extended family or guests. The spacious layout offers distinct areas for gathering and relaxing, including an open-concept living and dining space paired with a thoughtfully designed kitchen featuring quartz countertops, stainless steel appliances, and smart home technology for everyday convenience. With smart design and stylish touches throughout, the Esperanza balances independence and togetherness, providing room to grow—together. Life at Two Rivers blends nature with vibrant community living. Residents enjoy access to The Nest amenity hub, featuring a resort-style pool, playground, and dog park, along with wooded landscapes, winding creeks, scenic ponds, and peaceful lakes throughout the community. Nearby shopping and dining at The Grove at Wesley Chapel is also just 10 minutes away. Images shown are for illustrative purposes only and may differ from actual home. Completion date subject to change. Contact or make an appointment for more details on interest rates.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,292
Sqft
0.11 ac
Lot size
2
Garage
2026
Year built
One
Levels
$214
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.
$9,970 /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
$9,970/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
+1%
$/sqft vs TWO RIVERS
$214 vs $193
Days on market
4 vs 49 typical
Where $214/sqft sits among the 94 homes for sale in TWO RIVERS
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 33541 — neighborhood snapshot
Population
23,913
Median age
57.8
Median income
$55,556
Median home value
$111,300
Avg household
2.21
Households w/ children
1,812
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)
33 of 94
TWO RIVERS have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 49% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 36659 THORNHEDGE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$482,120
36785 SAGEMOOR DRIVE · same community
4 bd · 3 ba · 2,292 sqft · $210/sqft · 0 DOM
Sold · Dec ’25$359,990
36209 SUNFLOWER HILL DRIVE · same community
4 bd · 2.5 ba · 2,305 sqft · $156/sqft · 158 DOM
Sold · Dec ’25$359,990
2615 HARDIN WAY · same community
4 bd · 2.5 ba · 2,305 sqft · $156/sqft · 140 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 36659 THORNHEDGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 36659 THORNHEDGE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
36659 THORNHEDGE DRIVE FAQs
What would the monthly payment be for 36659 THORNHEDGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $9,970/mo — principal and interest, the actual property-tax bill, the $70/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 36659 THORNHEDGE DRIVE?+
The association fee works out to $70 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 36659 THORNHEDGE DRIVE?+
The most recent tax bill on record (2024) was $79,647. 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 36659 THORNHEDGE 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 $490,290, this home is listed about 53% above the Zephyrhills median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 36659 THORNHEDGE DRIVE?+
Chester W. Taylor Junior Elementary School (elementary), Raymond B. Stewart Middle School (middle), 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 CASA FRESCA REALTY · Michael Human. MLS #TB8536744.
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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