38932 CENTRAL AVENUE, ZEPHYRHILLS, FL, 33540
Active92 days on marketListed May 14, 2026MLS #A4693634
About this home
38932 CENTRAL AVENUE
Virtually Staged. BUYER INCENTIVES AVAILABLE! Additional financing incentives may be available when using the preferred lender. Ask for details. Buyer is not required to use the preferred lender. Welcome to your Florida home base in Zephyrhills! Located on Central Ave, this home puts you close to the charm of historic downtown while offering easy access to recreation, shopping, dining and some of Central Florida’s most popular attractions. Enjoy the relaxed pace of small-town Florida living without giving up weekend adventures in Tampa and beyond. 10 Things to Do In & Around Zephyrhills: ?? Explore historic Downtown Zephyrhills, local shops, restaurants and community events ?? Spend the afternoon at Zephyr Park with its lake, walking paths, playgrounds and recreation ?? Cool off at the Zephyr Park WaterPlay splash pad ?? Discover local history at the historic Zephyrhills Train Depot ?? Visit the Zephyrhills Museum of Military History ? Hit the links at one of the area’s golf courses ?? Play tennis or pickleball and enjoy local parks and recreation ?? Hike, paddle and explore nature at nearby Hillsborough River State Park ?? Spend the day at Busch Gardens Tampa Bay or visit ZooTampa at Lowry Park ?? Take a day trip to LEGOLAND Florida Resort Whether you’re looking for a full-time residence, seasonal Florida getaway or investment opportunity, this Central Ave property offers a convenient location for enjoying the best of Zephyrhills—from its parks and historic downtown to easy day trips throughout the Tampa Bay and Central Florida areas.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,268
Sqft
0.26 ac
Lot size
2003
Year built
One
Levels
$197
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.
$1,998 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$1,998/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.
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
−7.3%
$/sqft vs Zephyrhills actives
$197 vs $170
Days on market
92 vs 51 typical
Where $197/sqft sits among the 400 Zephyrhills 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 Zephyrhills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
ZEPHYRHILLS 33540 — neighborhood snapshot
Population
11,098
Median age
56.1
Median income
$55,426
Median home value
$120,600
Avg household
2.31
Households w/ children
789
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Zephyrhills market
$331K → $342K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
218 of 400
Zephyrhills actives have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38932 CENTRAL AVENUE
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$139,000
6631 SILVERBELL DRIVE · same community
2 bd · 2 ba · 1,056 sqft · $132/sqft · 56 DOM
Sold · Oct ’25$120,000
1608 THRUSH DRIVE · same community
2 bd · 1 ba · 864 sqft · $139/sqft · 138 DOM
Sold · Jul ’26$282,000
1205 CRYSTAL SPRINGS ROAD · same community
3 bd · 2 ba · 1,800 sqft · $157/sqft · 3 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
Geral Garcia
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 38932 CENTRAL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38932 CENTRAL AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Geral's phone and CRM.
Straight answers
38932 CENTRAL AVENUE FAQs
What would the monthly payment be for 38932 CENTRAL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,998/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 38932 CENTRAL AVENUE?+
The most recent tax bill on record (2025) was $3,069. 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 38932 CENTRAL AVENUE?+
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 Zephyrhills?+
At $250,000, this home is listed about 23% below the Zephyrhills median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38932 CENTRAL AVENUE?+
Raymond B. Stewart Middle School (middle), Zephyrhills High School (high), Chester W. Taylor Junior Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ZAP HOMES LLC · Lorian Harris. MLS #A4693634.
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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