Zephyr Lakes
Homes for Sale in Zephyrhills, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Zephyr Lakes in Zephyrhills, FL has 15 homes for sale and 5 pending, asking from $295,000 to $395,000 (median $357,900). Over the 12 months ending 2026-09-12, 50 recorded sales closed at a median of $334,990, $170 per square foot, a median 45 days on market, sellers accepting 95% of original asking (-6% versus the prior year). Homes listed or recently sold were built 2020 - 2026 with 14 new construction; 32 of 32 report an HOA (median $89/mo); 8 of the 32 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).
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 · 3 daysTop listing
Active · 1 days
Active · 67 days
Active · 116 days
Active · 44 days
Active · 175 days
Active · 93 days
Active · 283 days
Active · 42 days
Active · 21 days
Active · 416 days
Active · 1 days
Active · 129 days
Active · 109 daysActive and pending Zephyr Lakes listings as of 2026-09-13, 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.
Zephyr Lakes right now
🟡 Balanced market. 0.6 months of supply and 57% of the inventory already under contract put buyers and sellers on roughly even footing.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 12, 2026. Confidence: Very High (7 active and pending listings, 50 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($335K) is down 5.6% from the prior 12 months ($355K). 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 12. Confidence: Low (50 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 14, 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 12, 2026): the median sale price is about $335K ($170 per sq ft over the trailing 12 months of closed sales), a median 45 days on market for closed sales, and 0.6 months of supply, a balanced market. The trailing-12-month median is down 6% from the prior 12 months, computed from record-level Stellar MLS closed sales (50 closings in the current window).
Flood zones in Zephyr Lakes: of 32 listing addresses checked against the FEMA National Flood Hazard Layer, 75% sit outside the FEMA Special Flood Hazard Area (Zone X); 25% 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.
In ZIP 33540 (ZEPHYRHILLS), 577 homes closed in the last 12 months at a median of $340K ($177/sq ft), down 5.3% year over year, with a median 45 days on market. Right now 68 active and 13 pending listings put supply at about 3.8 months - a balanced market. See the live ZIP 33540 housing market and the Pasco County market.
Zephyr Lakes is a community of 136 homes in Zephyrhills, Pasco County, built between 2020 and 2023 (median 2022.0), with a median living area of about 2,295 square feet. 61% 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 12 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 ($355K) IS the -5.6% one-year change.
Windows contain 0 to 50 sales each (50 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.
Zephyr Lakes Market Scorecard
Zephyr Lakes is currently a seller's market. About 2.8 months of supply, a median asking price of $357,900, and homes go under contract in about 93 days.
Typical home value in the 33540 ZIP is $330,544, about 19.4% 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.
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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 $170 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 0.6 months of supply, a balanced market and the trailing-12-month median down 6% year over year. Homes that do trade take a median 45 days on market, useful leverage on any listing that has lingered.
The housing stock is 136 homes built between 2020 and 2023, and 61% 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 (6.7). Basis: Recent Direction -5.6% year-over-year; Liquidity & Demand 0.6 months of supply; Owner Commitment 61% owner-occupied; Pricing Power 95.3% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $86/month (about $1,032/yr) · median of 56 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $86 per month ($1,032 a year) - the median AssociationFee across 56 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, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
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. 1 on record.
- 8136 Wheat Stone Drive · off market
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?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 13, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 33540)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2021 (59 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.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Zephyr Lakes fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Zephyr Lakes with Momentum Realty’s local guides.