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2785 GARDINER LANE, Zephyrhills, FL, 33541 | $420,000
One or more photo(s) has been virtually staged. One or more photo(s) has been virtually staged. Your search for a newer, spacious waterfront home in a quiet yet convenient location ends here. Welcome to Two Rivers Northwater, a desirable community in Zephyrhills, ideally situated on SR 56 Road, a peaceful, rural atmosphere. This beautiful two-story home offers approximately 2, 400 square feet of living space with 4 bedrooms, 3 bathrooms, a large loft, and a 2-car garage, all complemented by a serene pond view from the backyard. One of the standout features is the first-floor bedroom with a full bath, ideal for guests or multigenerational living. The owner’s suite and two additional generously sized bedrooms are located upstairs, thoughtfully separated from the main living areas for added privacy. A spacious open loft provides endless possibilities—home office, media room, play area, or additional lounge space. The first floor welcomes you with an open-concept layout that seamlessly connects the living, family, kitchen, and dining areas—perfect for entertaining and everyday living. Residents of NorthWater enjoy community amenities including a clubhouse, swimming pool, and park, while still having the luxury of a private backyard overlooking the water, perfect for relaxing evenings and weekends. House is priced very competitively for a quick sale. Come experience the comfort, space, and tranquility this exceptional home and community have to provide.
Features
- Rooms: 4
- Bedrooms: 4
- Baths: 3 full
- Laundry: Laundry Room
- Year Built: 2024
- Garage: 2-car
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 2,371
- Acreage: 0.13
- Est. Taxes: $0
- HOA Fee: $13 Monthly
- Elem. School: Chester W Taylor Elemen-PO
- Middle School: Raymond B Stewart Middle-PO
- High School: Zephryhills High School-PO
- Pet Policy: Yes
- Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- MLS#: TB8474611
- Days on Market: 70 days
- Website: https://www.raveis.com
/prop/TB8474611/2785gardinerlane_zephyrhills_fl?source=qrflyer
Listing courtesy of BSRP Phone: 813-853-3358
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
2785 GARDINER LANE, Zephyrhills, FL, 33541
$420,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $336,000 | $336,000 | $336,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.324% | 6.524% | 5.846% |
| Monthly Tax Payment | $0 | $0 | $0 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,988 | $2,096 | $2,768 |
| Total Monthly Payment | $2,063 | $2,171 | $2,843 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388