1 / 1

$265,000

38611 Ferm CircleZephyrhills, FL 33540

Listing updated: October 16, 2026 at 4:47 PM ET

Active

Listing courtesy of Vitis Realty · Kim Barker · MLS #TB8556646 · Active · 352-437-5673

Beds

Baths

1,115

Sq Ft

0.26

Acres

1985

Built

◆$238/sqft

Single Family Residence

Property type

1985

Year built

11,235 sqft

Lot size

$238

Price / sq ft

No HOA

HOA dues

Days on market

Garage spaces

Flood zone

About this home

***ELIGIBLE FOR 100% USDA FINANCING*** Looking for an AFFORDABLE place to call home with room to spread out and the freedom to make it your own? Welcome to FERM CIRCLE, tucked away in a sidewalk lined traditional neighborhood with NO THROUGH TRAFFIC and conveniently close to major shopping centers, restaurants, and medical offices. This well-maintained, solid concrete block home offers a NEWER ROOF (2019), and a spacious TWO-CAR GARAGE. The practical SPLIT-BEDROOM layout features an UPDATED KITCHEN with SOLID WOOD CABINETS and a huge primary suite with a surprising amount of flex space that could host your home office or exercise equipment. Step outside to discover a spacious QUARTER ACRE LOT with a FENCED BACK YARD and SCREENED PATIO; perfect for relaxing outdoors, gardening, entertaining, or simply enjoying your own private space. Enjoy the everyday freedom of NO HOA OR CDD. You’re welcome to park your RV or boat here and bring the pets with you too! The utilities at the home include HIGH SPEED INTERNET public water, and PRIVATE SEPTIC which helps keep monthly costs down. Beyond your front door, discover why Zephyrhills continues to attract those seeking small-town charm with modern conveniences. This growing community takes pride in its welcoming atmosphere, with public gathering spaces like Zephyr Park, Hercules Park, and Depot Park. The historic downtown is a lively, walkable district featuring local parades, pop-up markets, and seasonal celebrations. Located within the A-rated Pasco County School District, this home puts you in a DESIRABLE LOCATION where everyday errands are convenient and community connections are easy to find. Whether you're buying your first home, downsizing, or simply looking for an AFFORDABLE opportunity to enjoy the Zephyrhills lifestyle, this home offers a wonderful place to put down roots and make it your own. Call today to schedule your personal tour!

Estimated monthly payment

Principal & interest$1,340

Property taxes$251

Home insurance (est.)$121

Down payment

20%

$53,000 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 history0 days on market

Status: Active
Oct 16, 2026
Listed$265,000
Oct 16, 2026

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 0
Subdivision: Groves
County: Pasco
Year built: 1985
Living area: 1,115 sq ft
Price/sq ft: $238
Building area: 1,695 sq ft (Public Records)
Lot size: 11,235 sq ft
Lot category: 1/4 to less than 1/2
Flood zone: X (12101C0293F)
Garage: 2 spaces
Annual taxes: $3,015 (2025)
Parcel #: 26-25-21-0050-00000-0400
Zoning: AR
MLS #: TB8556646

Ask about this home

Have a question? Ask the broker directly.

Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.

Interior Details

Bedrooms: 2
Full bathrooms: 2
Flooring: Carpet, Ceramic Tile, Laminate
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Interior features: Ceiling Fans(s), Solid Wood Cabinets, Split Bedroom, Thermostat, Vaulted Ceiling(s)
Laundry: In Garage
Stories / Levels: One
Direction faces: South

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes
Parking features: Driveway, Garage Door Opener, On Street

HOA & Financial

Total monthly fees: None
Total annual fees: None
CDD: No
Homestead exemption: Yes
Min lease term: No Minimum
Listing terms: Cash, Conventional, FHA, USDA Loan, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No

Exterior & Construction

Exterior features: Rain Gutters, Sidewalk
Construction materials: Stucco
Roof: Shingle
Foundation: Slab
Road surface: Paved

Utilities

Sewer: Septic Tank
Water source: Public
Utilities: BB/HS Internet Available, Water Connected

Community

Pets allowed: Yes

Schools

ElementaryWest Zephyrhills Elemen-POGreatSchools ↗

MiddleCentennial Middle-POGreatSchools ↗

High SchoolZephryhills High School-POGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Living Room	First	12x18
Kitchen	First	8x16
Primary Bedroom	First	18x22
Primary Bathroom	First	5x7
Bedroom 2	First	11x13
Bathroom 2	First
Balcony/Porch/Lanai	First	8x13

Listing Details

Listing date: 2026-10-16
On market date: 2026-10-16
Original list price: $265,000
Occupant type: Owner
MLS area: 33540 - Zephyrhills
Listing AOR: Suncoast Tampa
Status changed: 2026-10-16
Tax legal description: THE GROVES PB 23 PG 69 LOT 40

Flood risk

Minimal riskFEMA Zone XPanel 12101C0293F

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

From I-75 and SR 54, head East on SR 54. Turn North (Left) onto Eiland Blvd / County Hwy-54. Turn North (left) onto US-301 N / Gall Blvd. Turn East (right) onto Daughtery Rd. Turn North (left) onto Wire Rd. Turn East (right) onto Ferm Circle.

More homes like this

ActiveSingle Family Residence360°

$310,000

38648 Ferm Cir

Zephyrhills, FL 33540

3 bd · 2 ba · 1,304 sqft

Groves

MLS ID #TB8534899, COLDWELL BANKER REALTY.

Listing provided by Stellar MLS

ActiveSingle Family Residence

$299,777

5636 Beech St

Zephyrhills, FL 33542

3 bd · 2 ba · 1,252 sqft

Yingling Add

MLS ID #TB8558666, RE FLORIDA HOMES.

Listing provided by Stellar MLS

ActiveManufactured Home360°

$184,000

5600 Arrowhead Dr

Zephyrhills, FL 33542

2 bd · 2 ba · 1,056 sqft

Lake Betmar Estates

MLS ID #TB8552055, VITIS REALTY.

Listing provided by Stellar MLS

ActiveSingle Family Residence360°

$320,000

39693 Harvest Creek Ln

Zephyrhills, FL 33540

4 bd · 2 ba · 1,918 sqft

Hidden River Ph 2

MLS ID #O6430369, OPENDOOR BROKERAGE LLC.

Listing provided by Stellar MLS

Call Schedule a tour

Listings courtesy of Stellar MLS as distributed by MLS GRID

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 October 16, 2026 at 4:47 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.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA