38745 CAMBRIDGE DRIVE, ZEPHYRHILLS, FL, 33540
Active4 days on marketListed Aug 15, 2026MLS #TB8539257
About this home
38745 CAMBRIDGE DRIVE
Welcome to 38745 Cambridge Drive! This 3-bedroom, 2-bath home offers approximately 1,570 square feet of living space situated on a spacious approximately 0.70-acre lot. The home features a functional floor plan with an updated kitchen and partially updated baths. Step outside and enjoy plenty of room to spread out. The property features an in-ground pool, large screened lanai, gazebo and fenced yard, providing great outdoor living and entertaining space. A detached workshop with electric offers additional space for hobbies, projects or storage. The home would benefit from some general maintenance and cosmetic attention, and the pool is currently in need of cleaning and servicing. With a little TLC, this property offers plenty of potential for a buyer looking to make it their own. Conveniently located in Zephyrhills with a large lot and desirable outdoor features. Property is being sold As Is.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,570
Sqft
0.7 ac
Lot size
1982
Year built
One
Levels
$186
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.
$2,396 /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
$2,396/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
−16.5%
$/sqft vs Zephyrhills actives
$186 vs $170
Days on market
4 vs 49 typical
Where $186/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 Cambridge Clark Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Cambridge Clark Estates — neighborhood snapshot
Population
753
Median age
45
Median income
$64,081
Median home value
$183,000
Avg household
3
Households w/ children
69%
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)
227 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 11% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 38745 CAMBRIDGE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$295,000
38938 TALL DRIVE · same community
3 bd · 2 ba · 1,681 sqft · $175/sqft · 4 DOM
Sold · Dec ’25$235,000
38839 MILLER AVENUE
3 bd · 2 ba · 1,596 sqft · $147/sqft · 2 DOM
Sold · Jun ’26$150,000
37617 AMIGO DRIVE
2 bd · 2 ba · 1,482 sqft · $101/sqft · 160 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
Yordanka Sanchez Quillen
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 38745 CAMBRIDGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38745 CAMBRIDGE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Yordanka's phone and CRM.
Straight answers
38745 CAMBRIDGE DRIVE FAQs
What would the monthly payment be for 38745 CAMBRIDGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,396/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 38745 CAMBRIDGE DRIVE?+
The most recent tax bill on record (2025) was $4,613. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Zephyrhills?+
At $292,500, this home is listed about 9% below the Zephyrhills median of $319,950. The market section on this page shows how the area is trending.
Which schools are assigned to 38745 CAMBRIDGE DRIVE?+
Zephyrhills High School (high), Woodland Elementary School (elementary), Centennial Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ZEPHYRHILLS 33540 market on paper
$292,500 is 11% below the ZEPHYRHILLS 33540 median of $330,000.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 4 days on market in a Zephyrhills market that averages 49 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of MR BIGGS LLC · Robert Biggs. MLS #TB8539257.
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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