38528 9TH AVENUE, ZEPHYRHILLS, FL, 33542
Active7 days on marketListed Oct 5, 2026MLS #TB8554934
About this home
38528 9TH AVENUE
Income-producing duplex in Zephyrhills! This 1972 property features two 1-bedroom, 1-bath units, each offering a separate rental opportunity. Both units are currently rented, generating a combined monthly rental income of $1,650 ($750 and $900). The property sits on approximately 0.19 acres and offers approximately 1,196 heated square feet and 2,108 total square feet. Conveniently located on 9th Avenue with easy access to local shopping, dining, schools and major roadways. An excellent opportunity for an investor looking to add a multi-family property to their portfolio or for an owner looking for additional rental income. Property is being sold “AS-IS” with right to inspect. Buyer to verify all measurements, rental information, zoning and property details.
Facts & features
The home at a glance
2
Bedrooms
1,196
Sqft
0.19 ac
Lot size
1972
Year built
One
Levels
$196
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 — not generic estimates.
$1,874 /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
$1,874/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.
$/sqft vs Zephyrhills actives
$196 vs $169
Days on market
7 vs 70 typical
Where $196/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 Downtown Zephyrhills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Downtown Zephyrhills — neighborhood snapshot
Population
3,883
Median age
37
Median income
$47,219
Median home value
$131,710
Avg household
3
Households w/ children
309
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)
234 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 27% above the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38528 9TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$282,500
5121 10TH STREET · same community
2 bd · 1 ba · 936 sqft · $302/sqft · 17 DOM
Sold · Jul ’26$254,000
4631 EAGLE RANCH DRIVE
3 bd · 2 ba · 1,182 sqft · $215/sqft · 19 DOM
Sold · Feb ’26$118,900
4801 AIRPORT ROAD UNIT 208
2 bd · 2 ba · 1,170 sqft · $102/sqft · 365 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 38528 9TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38528 9TH AVENUE — 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
38528 9TH AVENUE FAQs
What would the monthly payment be for 38528 9TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,874/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 38528 9TH AVENUE?+
The most recent tax bill on record (2025) was $2,716. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Zephyrhills?+
At $235,000, this home is listed about 23% below the Zephyrhills median of $305,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38528 9TH AVENUE?+
Raymond B. Stewart Middle School (middle), West Zephyrhills Elementary School (elementary), 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 COLDWELL BANKER AQUATERRA REALTY · Albert Fava IV. MLS #TB8554934.
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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