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$625,000

38049 Copper Penny Court

Zephyrhills, FL 33540

Listing updated: July 15, 2026 at 4:45 PM ET

Active

Listing courtesy of Jack Keller Inc · John Keller, III · MLS #TB8525441 · Active · 727-586-1497

Beds

Baths

3,531

Sq Ft

0.38

Acres

2025

Built

◆New construction◆In-law suite◆3-car garage◆$177/sqft

Single Family Residence

Property type

2025

Year built

16,541 sqft

Lot size

$177

Price / sq ft

$13/mo

HOA dues

Days on market

Garage spaces

Flood zone

About this home

Brand-new M/I Homes "Mira Lago" — 5 bedrooms, 3 full baths, 3-car garage with golf-cart bay, 3,531 heated SF — completed May 2025 and NEVER LIVED IN. Move in immediately, no builder wait. Premium $45,000 lot, one of the largest in Cobblestone at 16,541 SF (over a third of an acre), on a cul-de-sac with no rear neighbors and a huge backyard. Custom second-floor balcony off the primary suite ($49,000 upgrade) with beautiful views of the pond and wooded conservation area. All porcelain tile, no carpet. Butler's pantry ($3,000 upgrade), Kinetico water softener and kitchen reverse-osmosis purification system ($7,500) — never buy water again. Many more upgrades — must see to appreciate. Purchased for $644,000, offered at $625,000. First-floor bedroom with private entrance can serve as an in-law suite. Community pool, playground, and golf-cart-friendly streets. Quick closing available.

Estimated monthly payment

Principal & interest$3,160

Property taxes$374

Home insurance (est.)$286

HOA dues$13

Down payment

20%

$125,000 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history13 days on market

Status: Active
Jul 2, 2026
Listed$625,000
Jul 2, 2026
Price increased$625,000

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 13
Subdivision: Cobblestone Ph 2
County: Pasco
Year built: 2025
Living area: 3,531 sq ft
Price/sq ft: $177
Building area: 3,849 sq ft (Builder)
Lot size: 16,541 sq ft
Lot category: 1/4 to less than 1/2
Flood zone: X (12101C0454F)
Garage: 3 spaces
Annual taxes: $4,485 (2025)
Parcel #: 21-26-22-009.0-000.00-378.0
Zoning: MPUD
MLS #: TB8525441

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Interior Details

Bedrooms: 5
Full bathrooms: 3
Flooring: Tile
Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Freezer, Ice Maker, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Washer, Water Purifier, Water Softener
Interior features: Eat-in Kitchen, High Ceilings, In Wall Pest System, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Pest Guard System, PrimaryBedroom Upstairs, Smart Home, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Thermostat, Walk-In Closet(s)
Laundry: Electric Dryer Hookup, Inside, Laundry Room
Stories / Levels: Two
Direction faces: East
New construction: Yes
In-law suite: Yes

Heating & Cooling

Heating: Central, Electric, Heat Pump
Cooling: Central Air

Parking

Garage spaces: 3
Attached garage: Yes
Parking features: Driveway, Garage Door Opener, Golf Cart Garage, Golf Cart Parking

HOA & Financial

HOA fee: $156 / Annually
Monthly HOA: $13/mo
Total monthly fees: $13/mo
Total annual fees: $156
HOA name: UNKNOWN
CDD: Yes
Homestead exemption: Yes
Min lease term: 1-2 Years
Listing terms: Cash, Conventional, FHA
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No
Approval process: Association approval required. Buyer/tenant to apply with and verify approval process with the association.

Exterior & Construction

Exterior features: Balcony, Lighting, Rain Gutters, Sidewalk, Sliding Doors, Sprinkler Metered
Construction materials: Block, Concrete, Stone, Stucco
Roof: Shingle
Foundation: Block, Concrete Perimeter, Slab
Road surface: Paved

Utilities

Sewer: None
Water source: None
Utilities: Cable Connected, Electricity Available, Electricity Connected, Fire Hydrant, Sewer Available, Sewer Connected, Sprinkler Meter, Underground Utilities, Water Connected

Community

Pets allowed: Cats OK, Dogs OK

Room Details

Room	Level	Dimensions
Kitchen	First	12x15
Primary Bedroom	Second	16x22
Living Room	First	13x22

Listing Details

Listing date: 2026-06-27
On market date: 2026-07-02
Original list price: $625,000
Occupant type: Vacant
MLS area: 33540 - Zephyrhills
Listing AOR: Suncoast Tampa
Status changed: 2026-07-02
Tax legal description: COBBLESTONE PHASE 2 PB 94 PG 022 LOT 378

Flood risk

Minimal riskFEMA Zone XPanel 12101C0454F

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

Begin north on Highway 301 at State Road 56, go north one mile, turn right at the traffic light into the Cobblestone development.

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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.

Based on information submitted to the MLS GRID as of July 15, 2026 at 4:45 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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