Zephyr Lakes
Homes for Sale in Zephyrhills, FL
All 623 homes for sale in ZEPHYRHILLS, FL · median $295,000 · 94 homes for sale in 33540 · Pasco County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Zephyr Lakes in Zephyrhills, FL has 10 homes for sale and 1 pending, asking from $295,000 to $385,000 (median $347,500). Over the 12 months ending 2026-09-20, 52 recorded sales closed at a median of $334,990, $169 per square foot, a median 50 days on market, sellers accepting 95% of original asking (-2% versus the prior year). Homes listed or recently sold were built 2020 - 2026 with 8 new construction; 23 of 23 report an HOA (median $83/mo); 5 of the 22 geocoded homes sit in a FEMA special flood hazard zone (median elevation 84 ft). At the median price and Pasco County's FY2025-26 rate of 16.15 mills, annual property tax runs about $5,410 ($4,760 with the full homestead exemption).
| Location | ZEPHYRHILLS, Pasco County, FL · ZIP 33540 |
|---|---|
| Homes in the community | 335 (FL DOR 2025 assessment roll) |
| Years built | 2020–2023 (median 2022) |
| Typical living area | 2,101 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Pool, Playground, Dog Park, Clubhouse, Deed Restrictions, Park |
| Sale prices, last 12 months | $334,990 median across 52 closed sales · $169 per sq ft · -2.2% vs the prior 12 months |
| Days on market (closed sales) | 50 median |
| For sale right now | 10 active, 3 pending · median asking $358,900 · 1.8 months of supply |
| Owner-occupied (homestead) share | 73% |
| Zoned public schools | Pasco County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Zephyr Lakes key facts,” movewithmomentum.com/neighborhoods/zephyr-lakes-zephyrhills, data as of September 20, 2026.
Last 30 days in Zephyr Lakes: 5 new listings (median asking $330,000), 1 under contract right now, 4 closed sales (median $314,500). As of October 12, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Zephyr Lakes
Live MLS inventory for Zephyr Lakes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 1 daysTop listing
Active · 155 days
Active · 1 days
Active · 55 days
Active · 146 days
Active · 42 days
Active · 1 days
Active · 1 days
Active · 1 days
Active · 127 days
Pending · 60 daysActive and pending Zephyr Lakes listings as of 2026-10-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. Tap any home to ask about it.
Every Home for Sale in Zephyr Lakes Zephyrhills Right Now (11)
All 11 active and pending Zephyr Lakes Zephyrhills listings with a detail page, newest first, refreshed twice a day from the MLS.
- 7980 Broad Pointe Drive · $319,000 · 4 bd / 2 ba · listed Oct 9, 2026 · listed by Re/Max Realty Unlimited
- 7662 Wheat Stone Drive · $370,000 · 5 bd / 3 ba · listed Oct 6, 2026 · listed by D R Horton Realty Of Tampa Llc
- 7650 Wheat Stone Drive · $330,000 · 4 bd / 2 ba · listed Oct 6, 2026 · listed by D R Horton Realty Of Tampa Llc
- 7811 Davie Ray Drive · $329,900 · 4 bd / 2.5 ba · listed Sep 10, 2026 · listed by Coldwell Banker Pickett Fences Realty
- 7760 Broad Pointe Drive · $385,000 · 4 bd / 2 ba · listed Sep 10, 2026 · listed by Century 21 Bill Nye Realty
- 38387 Springhead Ln · $360,000 · 4 bd / 2 ba · listed Sep 7, 2026 · listed by Orchard Brokerage, Llc
- 7499 Sail Clover Lane · $300,000 · 5 bd / 3 ba · pending · listed Aug 12, 2026 · listed by Lpt Realty, Llc
- 7590 Broad Pointe Drive · $340,000 · 4 bd / 2 ba · listed Jul 30, 2026 · listed by Bhhs Florida Properties Group
- 7804 Davie Ray Drive · $295,000 · 4 bd / 2 ba · listed Jul 14, 2026 · listed by Keller Williams Tampa Prop.
- 7850 Sail Clover Lane · $355,000 · 5 bd / 3 ba · listed Jul 14, 2026 · listed by Luxe Properties
- 8362 Wheat Stone Drive · $375,000 · 4 bd / 2 ba · listed Jul 14, 2026 · listed by Re/Max Realty Unlimited
Zephyr Lakes right now
🔴 Seller-leaning market. 1.8 months of supply and 23% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Very High (13 active and pending listings, 52 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($335K) is down 2.2% from the prior 12 months ($342K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Medium (52 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 13, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Zephyr Lakes market snapshot (as of September 20, 2026): the median sale price is about $335K ($169 per sq ft over the trailing 12 months of closed sales), a median 51 days on market for closed sales, and 1.8 months of supply, a seller-leaning market. The trailing-12-month median is down 2% from the prior 12 months, computed from record-level Stellar MLS closed sales (52 closings in the current window).
In ZIP 33540 (ZEPHYRHILLS), 579 homes closed in the last 12 months at a median of $340K ($177/sq ft), down 4.3% year over year, with a median 45 days on market. Right now 76 active and 12 pending listings put supply at about 4.1 months - a balanced market. See the live ZIP 33540 housing market and the Pasco County market.
County records show 26 qualified sales in Zephyr Lakes across 2024 - 2025 (19 in 2024, 7 in 2025), median $349,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Zephyr Lakes: of 22 listing addresses checked against the FEMA National Flood Hazard Layer, 77% sit outside the FEMA Special Flood Hazard Area (Zone X); 23% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Zephyrhills.
Zephyr Lakes is a community of 335 homes in Zephyrhills, Pasco County, built between 2020 and 2023 (median 2022), with a median living area of about 2,101 square feet. 73% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Zephyr Lakes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Zephyr LakesZephyr LakesZephyr LakesZephyr LakesZephyr LakesZephyr LakesZephyr LakesZephyr LakesPhotos from Stellar MLS listings in Zephyr Lakes; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($335K) IS the median in the snapshot above, and the move from 2025 ($342K) IS the -2.2% one-year change.
Windows contain 0 to 52 sales each (52 in the current window); every figure carries its sample size. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. Deemed reliable but not guaranteed.
9% of homes for sale in Zephyr Lakes are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-13).
Zephyr Lakes Market Scorecard
Zephyr Lakes is currently a strong seller's market. About 1.8 months of supply, a median asking price of $347,500, and homes go under contract in about 22 days.
Typical home value in the 33540 ZIP is $329,742, about 19.9% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Zephyr Lakes, ZEPHYRHILLS
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Zephyr Lakes on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Zephyr Lakes
- Pool · reported on 22 of 22 listings
- Playground · reported on 21 of 22 listings
- Dog Park · reported on 18 of 22 listings
- Clubhouse · reported on 3 of 22 listings
- Park · reported on 3 of 22 listings
- Deed Restrictions · reported on 3 of 22 listings
- Gated · reported on 1 of 22 listings
- Community Mailbox · reported on 1 of 22 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Pasco County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pasco County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Zephyr Lakes listings and can change; always confirm with Pasco County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Zephyr Lakes address.
Shop the zone: Homes zoned for Zephryhills High School-Po
The Zephyr Lakes buying strategy.
If we were buying in Zephyr Lakes today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Zephyr Lakes.
A closer look at the Zephyr Lakes market
At a median of $169 per square foot, Zephyr Lakes prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 1.8 months of supply, a seller-leaning market and the trailing-12-month median down 2% year over year. Homes that do trade take a median 51 days on market, useful leverage on any listing that has lingered.
The housing stock is 335 homes built between 2020 and 2023, and 73% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Zephyr Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Zephyr Lakes buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.9). Basis: Recent Direction -2.2% year-over-year; Liquidity & Demand 1.8 months of supply; Owner Commitment 73% owner-occupied; Pricing Power 95.0% sale-to-list. Refreshed with each data update.
What it really costs to own in Zephyr Lakes
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| CDD / special assessments | Listings here report a median of $3,157/yr in CDD or special-district assessments on the tax bill (17 listings, MLS, 2026-10-13). 94% of the 18 listings that report the field show one. The amount is per lot and set by the district: confirm it on the parcel's TRIM notice. |
|---|---|
| HOA dues | Median $83/month across 646 MLS listings (most billed monthly; 2026-10-13). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Pasco County is $1,659/yr (8,233 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 22 listing addresses checked against the FEMA flood map, 77% sit outside the high-risk zone and 23% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2022 across 21 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Ask an agent about Zephyr Lakes
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Zephyr Lakes will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $83/month (about $996/yr) · median of 646 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $83 per month ($996 a year) - the median AssociationFee across 646 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Flood & Insurance Context
Of 23 sampled listing addresses in this community: 78% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 22% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=23) · as of 2026-10
Tools for a Zephyr Lakes buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Zephyr Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Zephyr Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Zephyr Lakes home worth?
Get a no-obligation home value based on real comparable sales in Zephyr Lakes, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Zephyrhills →
Recently off market in Zephyr Lakes
Homes in Zephyr Lakes that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 11 on record.
- 38400 Sonnet Landing Avenue · off market
- 7737 Sail Clover Lane · off market
- 7774 Sail Clover Lane · off market
- 7819 Sail Clover Lane · off market
- 8103 Wheat Stone Drive · off market
- 8136 Wheat Stone Drive · off market
- 8324 Wheat Stone Drive · off market
- 8349 Wheat Stone Drive · off market
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Recently sold in Zephyr Lakes Zephyrhills
- 8324 Wheat Stone Drive · sold $319,000
- 8103 Wheat Stone Drive · sold $299,999
- 8455 Wheat Stone Drive · sold $335,000
- 8493 Wheat Stone Drive · sold $310,000
- 8482 Wheat Stone Drive · sold $321,990
- 8136 Wheat Stone Drive · sold $319,900
- 38400 Sonnet Landing Avenue · sold $280,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
Frequently Asked Questions
What is the median home price in Zephyr Lakes?
How long do homes in Zephyr Lakes take to sell?
Is Zephyr Lakes a buyer's or seller's market right now?
How many homes are in Zephyr Lakes?
What share of Zephyr Lakes is owner-occupied?
When were the homes in Zephyr Lakes built?
What schools serve Zephyr Lakes?
Who is the best real estate agent for Zephyr Lakes?
How do I find a top Zephyrhills real estate agent who knows Zephyr Lakes?
Can Momentum Realty connect me with an agent for Zephyr Lakes?
Where is Zephyr Lakes, and what county is it in?
Is Zephyr Lakes in a flood zone?
Is Zephyr Lakes a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 12, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 33540)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2021 (62 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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