37631 CAMPO AVENUE, ZEPHYRHILLS, FL, 33541
Active3 days on marketListed Oct 16, 2026MLS #TB8558896
About this home
37631 CAMPO AVENUE
Virtually Staged. Move-In Ready, Fully Furnished and Golf Cart Included! Welcome to 37631 Campo Avenue, located in the desirable Spanish Trails West Cooperative Community in Zephyrhills! This beautifully maintained 2-bedroom, 2-bath home offers the perfect combination of comfort, convenience, and an active Florida lifestyle. Just bring your suitcase and start enjoying everything this wonderful community has to provide! Step inside and discover a home that has been thoughtfully maintained and updated with numerous improvements. Major upgrades include a new roof (2024), replumbed (2024), and new double pane windows (2025) for added comfort and efficiency. In 2025, the exterior was freshly painted, the screened patio was rescreened with a new door, gutters were replaced, and modern ceiling fans were installed. The primary bathroom was refreshed in 2025 with a new vanity, flooring, sink, faucet, and toilet, while the guest bathroom received new flooring, an updated sink, and faucet. Enjoy relaxing mornings or peaceful evenings on your screened patio, perfect for taking advantage of Florida's beautiful weather. Additional features include a covered carport with insulation already installed for a potential-future screened area, plus a convenient storage room. Best of all, the home comes completely furnished, and the golf cart in included! Spanish Trails West is a cooperative community offering an impressive selection of amenities designed for an active and social lifestyle. Enjoy the clubhouse, swimming pool, dog park, shuffleboard, horseshoes, pickleball, basketball, and RV and boat storage. The low monthly HOA fee of just $142 includes basic cable, internet, and lawn service, allowing you more time to relax and enjoy the Florida lifestyle! Whether you prefer staying active, socializing with neighbors, or simply relaxing in the Florida sunshine, there's something for everyone! Conveniently located near local restaurants, shopping, hospitals, and everyday conveniences, this home offers easy access to everything Zephyrhills has to provide. With so many recent improvements, furnishings included, a golf cart ready to go, affordable monthly fees, and fantastic community amenities, this home is ready for its next owner to move right in and start enjoying the Florida lifestyle! IT'S NOT JUST A HOME, IT'S A LIFESTYLE!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
988
Sqft
0.11 ac
Lot size
1989
Year built
One
Levels
$141
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.
$1,233 /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
$1,233/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
+10.1%
$/sqft vs Zephyrhills actives
$141 vs $170
Days on market
3 vs 67 typical
Where $141/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 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)
225 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 55% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 37631 CAMPO AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$215,000
38831 NORTH AVENUE
3 bd · 1 ba · 1,000 sqft · $215/sqft · 147 DOM
Sold · Jul ’26$180,000
5921 FOREST LANE
2 bd · 2 ba · 968 sqft · $186/sqft · 0 DOM
Sold · Nov ’25$134,000
6053 RIDGEWOOD DRIVE
2 bd · 2 ba · 1,056 sqft · $127/sqft · 23 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 37631 CAMPO AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 37631 CAMPO AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
37631 CAMPO AVENUE FAQs
What would the monthly payment be for 37631 CAMPO AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,233/mo — principal and interest, the actual property-tax bill, the $142/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 37631 CAMPO AVENUE?+
The association fee works out to $142 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 37631 CAMPO AVENUE?+
The most recent tax bill on record (2025) was $624. 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 37631 CAMPO AVENUE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 $138,900, this home is listed about 54% below the Zephyrhills median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 37631 CAMPO AVENUE?+
New River 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.
The brief
Three things that matter here
01Under the ZEPHYRHILLS 33541 market on paper
$138,900 is 55% below the ZEPHYRHILLS 33541 median of $309,950, and at $141/sqft it sits under the Zephyrhills average of $176.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Fresh on the market
Only 3 days on market in a Zephyrhills market that averages 67 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 ELITE LOCATIONS, INC · Coleen Garner. MLS #TB8558896.
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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