38417 MONET DRIVE, ZEPHYRHILLS, FL, 33540
Active4 days on marketListed Aug 30, 2026MLS #TB8543827
About this home
38417 MONET DRIVE
SHADY OAKS – STUNNING 2018 HOME PRICED AT JUST $229,900! Why wait for new construction when you can own this beautifully designed 3-bedroom plus office/flex room home offering 1,736 square feet of living space in an established 55+ community where you OWN THE LAND! This spectacular home offers fantastic curb appeal with tropical landscaping and beautiful palm trees, a long driveway, and carport for convenient access. Step through the beautiful oval leaded-glass entry door and into a spacious, open-concept floor plan filled with natural light. The Great Room features plush carpeting and triple windows, while the kitchen and dinette area showcase attractive luxury vinyl flooring. The impressive kitchen is designed for both everyday living and entertaining, featuring a large center island with breakfast bar, additional storage, ceramic tile accent, abundant cabinetry, a convenient desk/office area, and space for a dining table. Stainless steel appliances include a French-door refrigerator, dishwasher, smooth-top range, and microwave. A stainless kitchen sink positioned beneath the window adds a bright and pleasant touch to meal preparation and cleanup. The spacious interior laundry room is conveniently located off the kitchen and offers room for a freezer, washer, and dryer, plus direct access to the side yard. French doors open to a versatile flex room currently used as an office/den—perfect for a fitness room, hobby space, or whatever fits your lifestyle! The desirable split-bedroom floor plan provides excellent privacy. The spacious Owner’s Suite is tucked away at the rear of the home and features a huge walk-in closet and private en-suite bath with dual sinks, walk-in shower, linen closet, and plenty of storage. Guest bedrooms and the hall bath are located on the opposite side of the home. As an added bonus, the approximately $5,000 metal shed with electric is INCLUDED with the sale at no additional cost, providing excellent storage and workspace! Also, note the central AC/Heating system was replaced in 2024 with a 4-ton unit. Enjoy the Florida lifestyle in this established **55+ community with low HOA fees**, including access to the community pool, shuffleboard, clubhouse, activities, and social events. Conveniently located just south of Zephyrhills with easy access to major highways and commutes to Plant City, Lakeland, Tampa, Orlando, and Florida’s beautiful Gulf beaches. **A 2018 home offering this much space, style, and value for just $229,900 is a rare find! Schedule your showing today and come see why Shady Oaks could be your next place to call home!**
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,736
Sqft
0.12 ac
Lot size
2018
Year built
One
Levels
$132
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.
$1,839 /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
$1,839/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
−13.4%
$/sqft vs Zephyrhills actives
$132 vs $175
Days on market
4 vs 49 typical
Where $132/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)
224 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 28% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38417 MONET DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$159,000
38422 STAFFORD DRIVE · same community
3 bd · 2 ba · 1,953 sqft · $81/sqft · 46 DOM
Sold · Jan ’26$150,000
38428 BENIGER DRIVE · same community
2 bd · 2 ba · 1,440 sqft · $104/sqft · 2 DOM
Sold · May ’26$145,000
38437 BENIGER DRIVE · same community
2 bd · 2 ba · 1,360 sqft · $107/sqft · 12 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 38417 MONET DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38417 MONET DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
38417 MONET DRIVE FAQs
What would the monthly payment be for 38417 MONET DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,839/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 38417 MONET 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 38417 MONET DRIVE?+
The most recent tax bill on record (2025) was $2,178. 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 38417 MONET DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $229,900, this home is listed about 28% below the Zephyrhills median of $319,700. The market section on this page shows how the area is trending.
Which schools are assigned to 38417 MONET 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 RLTY NEW TAMPA · Troy Duprey. MLS #TB8543827.
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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