12234 PHYLLIS LANE, HUDSON, FL, 34669
Active15 days on marketListed Oct 23, 2026MLS #TB8560135
About this home
12234 PHYLLIS LANE
Private 2.14-acre property with an in-law suite! Enjoy the space, privacy, and flexibility this property has to offer, along with numerous recent major improvements. The main house features a new roof (2024), new A/C system (November 2025), and new ductwork. The in-law suite also has its own new A/C system installed in June 2026, making it a great option for extended family, guests, or multigenerational living. Additional updates include a new well and bladder/pressure tank (March 2026), two new water heaters (November 2025), and septic tanks pumped and serviced in July 2024. The property also features a whole-house water filtration and softener system, plus a reverse osmosis drinking water system. Outside, you'll find a garage with dedicated 200-amp electrical service, a storage shed, chicken coop, and established garden beds. The A/C warranties are transferable to the new owner, subject to manufacturer terms. With 2.14 private acres, a separate in-law suite, and major improvements already completed, this property offers space, versatility, and peace of mind. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,370
Sqft
2.14 ac
Lot size
2
Garage
1987
Year built
One
Levels
$211
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.
$4,248 /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
$4,248/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.
vs edgeAI estimate
+2.3%
$/sqft vs Hudson actives
$211 vs $189
Days on market
15 vs 63 typical
Where $211/sqft sits among the 400 Hudson 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 Hudson
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Hudson. See the full Hudson guide →
HUDSON 34669 — neighborhood snapshot
Population
14,618
Median age
48.2
Median income
$58,638
Median home value
$247,100
Avg household
2.41
Households w/ children
1,340
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hudson market
$295K → $291K
Hudson median sold, yr/yr
96.6%
Sale-to-list ratio (12 mo)
230 of 400
Hudson actives have cut their price
Median sold price, Hudson, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 60% above the HUDSON 34669 median. See the full Hudson market guide →
Paper trail
This home's history
Reality check
What actually sold near 12234 PHYLLIS LANE
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$158,050
12403 KITTEN TRAIL · same community
2 bd · 2 ba · 1,296 sqft · $122/sqft · 8 DOM
Sold · Mar ’26$355,999
13245 TROPICAL BREEZE WAY
4 bd · 2.5 ba · 2,271 sqft · $157/sqft · 178 DOM
Sold · Apr ’26$358,999
12486 WHISK COURT
4 bd · 2.5 ba · 2,271 sqft · $158/sqft · 49 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 12234 PHYLLIS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12234 PHYLLIS LANE — 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
12234 PHYLLIS LANE FAQs
What would the monthly payment be for 12234 PHYLLIS LANE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,248/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 12234 PHYLLIS LANE?+
The most recent tax bill on record (2025) was $5,209. 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 12234 PHYLLIS LANE?+
The listing reports pets: 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 Hudson?+
At $499,999, this home is listed about 60% above the Hudson median of $312,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12234 PHYLLIS LANE?+
Moon Lake Elementary School (elementary), Fivay High School (high), Crews Lake Middle School. (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of THE WILKINS WAY LLC · Tina Jolly. MLS #TB8560135.
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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