4430 SAND DOLLAR WAY, ZEPHYRHILLS, FL, 33541
Active9 days on marketListed Sep 14, 2026MLS #TB8548665
About this home
4430 SAND DOLLAR WAY
Better than new and ready to move in! Welcome to this beautifully designed 3-bedroom, 2.5-bathroom home in Harvest Ridge, a newer community in Zephyrhills. Built by D.R. Horton in 2025, this two-story home offers approximately 1,961 square feet of thoughtfully designed living space, modern finishes, and plenty of room to grow. Step inside to an inviting open-concept main level featuring durable laminate flooring throughout. The modern kitchen is the heart of the home, offering stainless steel appliances, ample cabinetry, and a spacious center island with seating. The kitchen overlooks the bright and open living room and dining area, creating an ideal space for everyday living and entertaining. Upstairs, you'll find a large loft that provides flexible space for a home office, media room, play area, or second living space. The convenient upstairs laundry room makes household chores a breeze. The spacious primary suite features a private en-suite bathroom, while two additional generously sized bedrooms provide comfortable accommodations for family, guests, or a home office. Plush carpeting throughout the second floor adds warmth and comfort. Outside, enjoy a large backyard with plenty of space for pets, play, entertaining, or creating your own outdoor retreat. A two-car garage provides convenient parking and additional storage. Harvest Ridge residents enjoy community amenities including a community pool and park, all with an exceptionally low monthly HOA. Conveniently located near hospitals, supermarkets, shopping, restaurants, and everyday conveniences, this home also offers easy access to the popular Epperson Lagoon. With convenient access to I-75 and I-275, Tampa, surrounding communities, and the beautiful Gulf Coast beaches are within easy reach. Modern construction, an open floor plan, spacious bedrooms, a large yard, community amenities, and an incredibly low HOA make this Zephyrhills home a must-see!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,961
Sqft
0.1 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$172
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.
$2,581 /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
$2,581/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
−12.7%
$/sqft vs LANE ROAD SUB
$172 vs $192
Days on market
9 vs 49 typical
Where $172/sqft sits among the 7 homes for sale in LANE ROAD SUB
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 → $342K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
6 of 7
LANE ROAD SUB have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 4430 SAND DOLLAR WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$299,000
37268 KINGS CROWN DRIVE · same community
3 bd · 2 ba · 1,584 sqft · $189/sqft · 7 DOM
Sold · Apr ’26$305,000
37209 KINGS CROWN DRIVE · same community
3 bd · 2 ba · 1,584 sqft · $193/sqft · 143 DOM
Sold · Dec ’25$375,990
37075 KINGS CROWN DRIVE · same community
5 bd · 3 ba · 2,453 sqft · $153/sqft · 0 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4430 SAND DOLLAR WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4430 SAND DOLLAR WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4430 SAND DOLLAR WAY FAQs
What would the monthly payment be for 4430 SAND DOLLAR WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,581/mo — principal and interest, the actual property-tax bill, the $17/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 4430 SAND DOLLAR WAY?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4430 SAND DOLLAR WAY?+
The most recent tax bill on record (2025) was $3,191. 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 4430 SAND DOLLAR WAY?+
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 $337,800, this home is listed about 6% above the Zephyrhills median of $319,700. The market section on this page shows how the area is trending.
Which schools are assigned to 4430 SAND DOLLAR WAY?+
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 LPT REALTY, LLC · Iris Jaanbaeva. MLS #TB8548665.
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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