38611 FERM CIRCLE, ZEPHYRHILLS, FL, 33540
Active2 days on marketListed Oct 16, 2026MLS #TB8556646
About this home
38611 FERM CIRCLE
***ELIGIBLE FOR 100% USDA FINANCING*** Looking for an AFFORDABLE place to call home with room to spread out and the freedom to make it your own? Welcome to FERM CIRCLE, tucked away in a sidewalk lined traditional neighborhood with NO THROUGH TRAFFIC and conveniently close to major shopping centers, restaurants, and medical offices. This well-maintained, solid concrete block home offers a NEWER ROOF (2019), and a spacious TWO-CAR GARAGE. The practical SPLIT-BEDROOM layout features an UPDATED KITCHEN with SOLID WOOD CABINETS and a huge primary suite with a surprising amount of flex space that could host your home office or exercise equipment. Step outside to discover a spacious QUARTER ACRE LOT with a FENCED BACK YARD and SCREENED PATIO; perfect for relaxing outdoors, gardening, entertaining, or simply enjoying your own private space. Enjoy the everyday freedom of NO HOA OR CDD. You’re welcome to park your RV or boat here and bring the pets with you too! The utilities at the home include HIGH SPEED INTERNET public water, and PRIVATE SEPTIC which helps keep monthly costs down. Beyond your front door, discover why Zephyrhills continues to attract those seeking small-town charm with modern conveniences. This growing community takes pride in its welcoming atmosphere, with public gathering spaces like Zephyr Park, Hercules Park, and Depot Park. The historic downtown is a lively, walkable district featuring local parades, pop-up markets, and seasonal celebrations. Located within the A-rated Pasco County School District, this home puts you in a DESIRABLE LOCATION where everyday errands are convenient and community connections are easy to find. Whether you're buying your first home, downsizing, or simply looking for an AFFORDABLE opportunity to enjoy the Zephyrhills lifestyle, this home offers a wonderful place to put down roots and make it your own. Call today to schedule your personal tour!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,115
Sqft
0.26 ac
Lot size
2
Garage
1985
Year built
One
Levels
$238
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.
$2,088 /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
$2,088/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
+13.2%
$/sqft vs Zephyrhills actives
$238 vs $170
Days on market
2 vs 67 typical
Where $238/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.
The investor lens
Two ways this home pays
This home sits inside Groves, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,000/mo median
Live Zephyrhills rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Groves
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Groves is a short-term-rental community. See the full guide →
Groves — neighborhood snapshot
Population
240
Median age
61
Median income
$65,637
Median home value
$200,900
Avg household
2
Households w/ children
10%
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)
226 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 18% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38611 FERM CIRCLE
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$260,000
38651 FERM CIRCLE · same community
3 bd · 2 ba · 1,647 sqft · $158/sqft · 71 DOM
Sold · Feb ’26$390,000
7726 BOUQUET COURT · same community
3 bd · 2 ba · 1,809 sqft · $216/sqft · 17 DOM
Sold · Apr ’26$75,000
6902 ORLO DRIVE
2 bd · 2 ba · 1,104 sqft · $68/sqft · 5 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 38611 FERM CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38611 FERM CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
38611 FERM CIRCLE FAQs
What would the monthly payment be for 38611 FERM CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,088/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 38611 FERM CIRCLE?+
The most recent tax bill on record (2025) was $3,015. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 38611 FERM CIRCLE be rented short-term?+
Yes — this home sits inside Groves, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 38611 FERM CIRCLE?+
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 $265,000, this home is listed about 12% below the Zephyrhills median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 38611 FERM CIRCLE?+
Zephyrhills High School (high), Woodland Elementary School (elementary), Centennial Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ZEPHYRHILLS 33540 market on paper
$265,000 is 18% below the ZEPHYRHILLS 33540 median of $324,900.
02Zoned for nightly rentals
Groves is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03City views
The city view is part of what you're buying — views hold value independently of the structure.
04Fresh on the market
Only 2 days on market in a Zephyrhills market that averages 67 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of VITIS REALTY · Kim Barker. MLS #TB8556646.
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.
Never miss a listing
New Zephyrhills homes, in your inbox
Like 38611 FERM CIRCLE but not quite? A daily digest of every new listing in Zephyrhills — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Zack to ping you on any price or status change →