5449 12th St, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot8,400 sqft

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

5449 12th St is a home in City Zephyrhills, Zephyrhills. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Here is almost impossible to find multifamily zoned duplex lot in the of city Zephyrhills that is walking distance to library and city offices or downtown area. Convenient to everything you need. No HOA rules or CDD only city rules to follow! High and dry lot in great market for any rental investment or great place to build for Multi generational living as can build and live in both sides or vacation to as 2nd homes. Has some impact fee credit available too, I was told when you want to build that once you submit for permit can get amount of credit from building dept. And i have 3 bed rm 2 bath with single car garage each side blue print done and previously had been approved by CRA director of Zephyrhills, should be ready now for you to start submitting for permitting. Can buy this and choose your own builder when your ready. Wow! Normal 30 yr financing on duplex just like a house makes it more convenient and easier to afford or cash flow. Or as builder can build and might be able to ask city to allow town home style affordable housing sales. No other city wat & sew duplex lot like this available in Wesley Chapel or Zephyrhills or PASCO cty today under $200k that I could find! NO HOA or CDD! Adjacent lot owned same owner is identical has different address assigned that also can be bought as pkg deal with right offer! Then you could have four units and can build same duplex blueprint on both lots! A lot in Tampa allowing for 2 duplexes under $300k cant be found, so buy here now and you could finance each duplex seperately and build seperately at your convenience and get lower residential loan interest 1-4 unit financing this way when done! Right to use previously allowed blueprint plan will be included with sale or get your own print made do your thing. Has paved alley access behind lots. Owner related to agent. Sign is on left lot toward the corner as lot facing 12th. Other vacant identical lot is to right. Can discuss 1031 if desired!

The essentials

On market
158 days
Annual tax
$583
Flood zone
X · Low risk
Lot
8,400 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$620/mo
Down payment (20%)
$19,980
Property taxes
$49/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
8,400 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
158
High
Zephryhills High School-PO

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$583
Parcel #
11-26-21-0010-13800-0080

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
City Zephyrhills
County
Pasco
MLS Area
33542 - Zephyrhills
Lot Size
8,400 sqft
BuildableClearedCity LimitsLevelPavedUrban

Price history

Date
Event
Price
8/21/2026
Price change
Source: Stellar MLS #TB8508504
$99,900-4.8%
5/13/2026
Listed for sale
Source: Stellar MLS #TB8508504
$104,900+39.9%
5/27/2021
Sold
Source: Pasco County Public Record
$75,000

Neighborhood

5449 12th St
Zephyrhills, FL, 33542 · 33542 - Zephyrhills

Calculator

Est. monthly payment
$620/mo
Principal & interest$521
Property taxes$49
Insurance$50
Down payment20% · $19,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$99,900

Time on market

158 days

Monthly payment

About $620/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $583 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byTHE ELITE REALTY EXPERIENCEListing agent: Ernest Harpster IIIListing data from Stellar MLS, MLS# TB8508504.

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