3405 FALL HARVEST DRIVE, ZEPHYRHILLS, FL, 33540
Active18 days on marketListed Oct 20, 2026MLS #TB8559919
About this home
3405 FALL HARVEST DRIVE
Under Construction. New Construction Home by M/I Homes in Cobblestone. Popular Castellana floorplan, elevation B. This 2-story home offers 2,615 square feet of thoughtfully designed living space with 4 bedrooms and 3 bathrooms, perfect for comfortable everyday living. Step inside to discover an open-concept living space that creates a seamless flow between the main gathering areas of the home. The quality of design is evident throughout, with carefully selected finishes and a well-planned floorplan that balances shared spaces with private retreats. The owner's bedroom features a private en-suite bathroom, providing a relaxing space to unwind at the end of the day. Enjoy outdoor living on the lanai, ideal for morning coffee or evening gatherings with family and friends. Key Features: 4 bedrooms and 3 bathrooms 2,615 square feet of living space Open-concept living space Covered lanai for outdoor enjoyment Owner's bedroom with private en-suite bathroom 2-car garage This home is situated in a welcoming neighborhood with convenient proximity to local parks, offering plenty of opportunities for outdoor recreation and leisure. The surrounding area provides a friendly, well-established setting that families and individuals alike will appreciate. This Quick Move-In home is ready for its new owners to settle in and start making memories. *Photos shown are for representation purposes only and may not depict the actual home.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,615
Sqft
0.11 ac
Lot size
2026
Year built
Two
Levels
$152
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.
$3,565 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,565/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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 COBBLESTONE
$152 vs $164
Days on market
18 vs 60 typical
Where $152/sqft sits among the 10 homes for sale in COBBLESTONE
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 numbers that matter
The Zephyrhills market
$335K → $328K
Zephyrhills median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
5 of 10
COBBLESTONE have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% above the Zephyrhills median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 3405 FALL HARVEST DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$400,000
3343 FALL HARVEST DRIVE · same community
4 bd · 3 ba · 2,615 sqft · $153/sqft · 7 DOM
Sold · Jun ’26$400,000
3343 FALL HARVEST DRIVE · same community
4 bd · 3 ba · 2,615 sqft · $153/sqft · 0 DOM
Sold · Dec ’25$446,500
3357 FALL HARVEST DRIVE · same community
4 bd · 3 ba · 2,615 sqft · $171/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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3405 FALL HARVEST DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3405 FALL HARVEST DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3405 FALL HARVEST DRIVE FAQs
What would the monthly payment be for 3405 FALL HARVEST DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,565/mo — principal and interest, the actual property-tax bill, the $13/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 3405 FALL HARVEST DRIVE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3405 FALL HARVEST DRIVE?+
The most recent tax bill on record (2026) was $5,837. 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 3405 FALL HARVEST DRIVE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, 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 $397,650, this home is listed about 33% above the Zephyrhills median of $299,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of M/I HOMES · Marshall Gray. MLS #TB8559919.
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 3405 FALL HARVEST DRIVE 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 Bridget to ping you on any price or status change →