38648 Ferm Cir, photo 1
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Overview

3 bd2 ba1,304 sqft1 car garageSingle Family
TypeSingle Family
HOANone listed
Built1985
Lot11,235 sqft
Living area1,304 sqft
Price / sqft$238
Garage1 car

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

About this home

Built-in FeaturesThermostatStorageDishwasherMicrowaveRefrigerator

38648 Ferm Cir is a 1985-built home in Groves, Zephyrhills. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,304 square feet of living space. Listed at $310,000 (about $238/sqft), 74 days on market. Flood zone AE* - confirm flood insurance requirements with your lender.

From the listing

Welcome home to 38648 Ferm Circle, a beautifully maintained 3-bedroom, 2-bathroom nestled under a canopy of gorgeous mature oaks in the heart of Zephyrhills. This 1,404 sq ft gem sits on a generous 0.26-acre fully fenced lot, offering the kind of privacy and space that's getting harder to find. Step inside to a bright, open living area featuring vaulted ceilings and new flooring throughout, creating a fresh, move in ready feel from room to room. The eat in kitchen offers plenty of cabinet and counter space and a cozy dining nook perfect for morning coffee. Peace of mind comes standard here with double pane windows, a newer drain field, and a newer hot water heater major ticket items already handled for you. Step outside and fall in love with the massive, fully fenced backyard shaded by mature oaks plenty of room to garden, entertain, or just relax. A large covered carport offers room for a boat, RV, or trailer, ideal for the outdoor enthusiast who needs space for the toys. Not to mention a huge shed connected to electricity. Bonus: With an acceptable offer, a 1985 ProCraft boat with a 2024 Honda motor can be included hop in the water without the extra shopping trip! Centrally located in Zephyrhills with easy access to shopping, dining, and Tampa's outdoor recreation, this move in ready home won't last.

The essentials

Built
1985
Price / sqft
$238
On market
74 days
Annual tax
$813
Flood zone
AE*
Lot
11,235 sqft
Type
Single Family Residence

At a glance

Single family
Built 1985
1 car garage
0.26 acres
Lot size
1,304 sqft
Living area

Payment

Est. monthly payment
$1,840/mo
Down payment (20%)
$62,000
Property taxes
$68/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1985
Lot
11,235 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
74
Built-in Features
Thermostat
Storage
Dishwasher
Microwave
Refrigerator
Homestead exemption on file Flood Zone AE*
Annual Tax (2025)
$813
Parcel #
26-25-21-0050-00000-0080

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
Groves
County
Pasco
MLS Area
33540 - Zephyrhills
Lot Size
11,235 sqft

Price history

Date
Event
Price
8/28/2026
Price change
Source: Stellar MLS #TB8534899
$310,000-1.6%
$238/sqft
7/31/2026
Listed for sale
Source: Stellar MLS #TB8534899
$315,000
$242/sqft

Neighborhood

38648 Ferm Cir
Zephyrhills, FL, 33540 · 33540 - Zephyrhills

Market insights

Offer Insights

Choose an offer strength

List price: $310,000
$307,500 – $310,000
99.5% – 100% of listTops out right at the list price
80% of listList price
66 of the last 103 home closings in 33540 landed at this number or higher (64%). The median one sat 38 days before it went under contract, and this one is on day 74 after a $5,000 cut.

Sample: 103 closed home sales in 33540 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,840/mo
Principal & interest$1,617
Property taxes$68
Insurance$155
Down payment20% · $62,000
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

$310,000

$238 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,304 sq ft

Time on market

74 days

Year built

1985

Monthly payment

About $1,840/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $813 annual tax bill, insurance.

Flood zone

Zone AE*

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byCOLDWELL BANKER REALTYListing agent: Samuel RudolphListing data from Stellar MLS, MLS# TB8534899.

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