5449 12TH STREET, Zephyrhills, FL, 33542 | $104,900

Here is almost impossible to find multifamily zoned duplex lot in the of city Zephyrhills that is walking distance to library and city offices or downtown area. Convenient to everything you need. No HOA rules or CDD only city rules to follow! High and dry lot in great market for any rental investment or great place to build for Multi generational living as can build and live in both sides or vacation to as 2nd homes. Has some impact fee credit available too, I was told when you want to build that once you submit for permit can get amount of credit from building dept. And i have 3 bed rm 2 bath with single car garage each side blue print done and previously had been approved by CRA director of Zephyrhills, should be ready now for you to start submitting for permitting. Can buy this and choose your own builder when your ready. Wow! Normal 30 yr financing on duplex just like a house makes it more convenient and easier to afford or cash flow. Or as builder can build and might be able to ask city to allow town home style affordable housing sales. No other city wat & sew duplex lot like this available in Wesley Chapel or Zephyrhills or PASCO cty today under $200k that I could find! NO HOA or CDD! Adjacent lot owned same owner is identical has different address assigned that also can be bought as pkg deal with right offer! Then you could have four units and can build same duplex blueprint on both lots! A lot in Tampa allowing for 2 duplexes under $300k cant be found, so buy here now and you could finance each duplex seperately and build seperately at your convenience and get lower residential loan interest 1-4 unit financing this way when done! Right to use previously allowed blueprint plan will be included with sale or get your own print made do your thing. Has paved alley access behind lots. Owner related to agent. Sign is on left lot toward the corner as lot facing 12th. Other vacant identical lot is to right. Can discuss 1031 if desired!

Features

  • Lot Size: 60 x 140
  • Lot Desc: Buildable, Cleared, City Lot, Level, Urban
  • High School: Zephryhills High School-PO
  • MLS#: TB8508504
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8508504/544912thstreet_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 6/1/2026 4:14:15 AM)
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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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5449 12TH STREET, Zephyrhills, FL, 33542

$104,900

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

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $83,920 $83,920 $83,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $503 $524 $691
Total Monthly Payment $578 $599 $766

* 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.