38546 STAFFORD DRIVE, ZEPHYRHILLS, FL, 33540
Active17 days on marketListed Aug 18, 2026MLS #TB8539537
About this home
38546 STAFFORD DRIVE
Spacious, furnished, and ready for you to enjoy the Florida lifestyle! This well-maintained 2-bedroom, 2-bathroom double-wide offers approximately 1,344 square feet of heated and cooled living space in Shady Oaks, a welcoming 55+ community where you own the land beneath your home. Best of all, this home is being sold furnished, making it an excellent option for buyers looking for an easy transition into a seasonal retreat or full-time Florida residence. The generous floor plan offers plenty of space and flexibility, including a dedicated office perfect for working from home, hobbies, or crafts, along with an additional bonus room that can easily serve as a den, reading room, exercise area, or extra space for guests. A separate storage room provides even more room to keep everything organized. Shady Oaks is both golf cart and pet friendly and offers an impressive array of amenities, including a heated community pool, shuffleboard, horseshoes, bocce ball, and an active clubhouse with a variety of activities and social events throughout the year. Even better, the HOA fee is only $500 per year, allowing you to enjoy fantastic community amenities without the high monthly fees found in many 55+ communities. Conveniently located near shopping, restaurants, medical facilities, and local attractions, everything you need is just minutes away. With spacious living areas, versatile bonus spaces, furnishings included, land ownership, low HOA fees, and a vibrant community atmosphere, this property offers an exceptional opportunity for affordable full-time or seasonal Florida living. Come discover the comfort, convenience, and easygoing lifestyle that make Shady Oaks such a wonderful place to call home!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,344
Sqft
0.12 ac
Lot size
1980
Year built
One
Levels
$130
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.
$1,374 /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
$1,374/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
+9.3%
$/sqft vs Zephyrhills actives
$130 vs $174
Days on market
17 vs 49 typical
Where $130/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 Shady Oaks Mobile Modular Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Shady Oaks Mobile Modular Estates — neighborhood snapshot
Population
325
Median age
68
Median income
$39,655
Median home value
$75,000
Avg household
2
Households w/ children
11%
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 → $342K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
227 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 45% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38546 STAFFORD DRIVE
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$145,000
38437 BENIGER DRIVE · same community
2 bd · 2 ba · 1,360 sqft · $107/sqft · 12 DOM
Sold · Jan ’26$150,000
38428 BENIGER DRIVE · same community
2 bd · 2 ba · 1,440 sqft · $104/sqft · 2 DOM
Sold · Apr ’26$82,000
38553 STAFFORD DRIVE · same community
2 bd · 2 ba · 1,208 sqft · $68/sqft · 21 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
Jasmine Ince
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 38546 STAFFORD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38546 STAFFORD DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
38546 STAFFORD DRIVE FAQs
What would the monthly payment be for 38546 STAFFORD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,374/mo — principal and interest, the actual property-tax bill, the $42/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 38546 STAFFORD DRIVE?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 38546 STAFFORD DRIVE?+
The most recent tax bill on record (2025) was $778. 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 38546 STAFFORD 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 $175,000, this home is listed about 45% below the Zephyrhills median of $319,700. The market section on this page shows how the area is trending.
Which schools are assigned to 38546 STAFFORD DRIVE?+
Raymond B. Stewart Middle School (middle), Zephyrhills High School (high), Chester W. Taylor Junior Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA PROPERTIES · Ana Henriquez. MLS #TB8539537.
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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