38245 12TH AVENUE, Zephyrhills, FL, 33542 | $306,245

One or more photo(s) has been virtually staged. Step inside this move-in ready 3 bedroom, 2 bathroom single-family home in the heart of Zephyrhills. Situated on a spacious corner lot with no HOA and a fully fenced backyard, this home offers privacy and outdoor space to enjoy the Florida weather. Featured in the 1, 520 heated square feet is an open layout that connects the kitchen and living room for easy everyday living and entertaining. Inside, you'll find updated LVP flooring, granite countertops, a separate island, and new kitchen appliances that give the kitchen a functional and modern feel. The natural light filled Florida room at the back of the home adds flexible living space for relaxing, working, or expanding your everyday living area. The home features indoor laundry hookups, a 2026 water heater, and a metal roof that offers long-term durability and reliability. Located in Zephyrhills, this home is close to local restaurants, shopping, parks, and outdoor recreation, with convenient access to Wesley Chapel, Tampa, and surrounding areas for commuting or everyday needs. Whether you're a first-time buyer, downsizing, or looking for affordable Florida living with practical updates already in place, this home presents a great opportunity to enjoy all that Zephyrhills has to offer. Schedule your private showing today!

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Washer Hookup
  • Year Built: 1971
  • Garage: Driveway
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,520
  • Acreage: 0.15
  • Est. Taxes: $2,288
  • Lot Desc: Corner Lot
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: TB8498008
  • Days on Market: 71 days
  • Website: https://www.raveis.com
    /prop/TB8498008/3824512thavenue_zephyrhills_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 7/5/2026 9:47:07 PM)

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John Armellino - Armellino TeamSales Associate

203.671.1601

John.Armellino@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

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Liz EckmanVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1195194

203.858.7106

Liz.Eckman@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
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Gene RahillyInsurance Sales Director, William Raveis Insurance

917.494.9386

Gene.Rahilly@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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

38245 12TH AVENUE, Zephyrhills, FL, 33542

$306,245

John Armellino - Armellino Team

Sales Associate

William Raveis Real Estate

Phone: 203.671.1601

John.Armellino@raveis.com

Liz Eckman

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.858.7106

Liz.Eckman@raveis.com

NMLS Mortgage Loan Originator ID 1195194

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $244,996 $244,996 $244,996
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $191 $191 $191
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,467 $1,547 $2,034
Total Monthly Payment $1,733 $1,813 $2,300

* 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.