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Overview

2 bd2 ba1,344 sqftManufactured Home
TypeManufactured Home
HOA$41.67/mo
Built1980
Lot5,320 sqft
Living area1,344 sqft
Price / sqft$126

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

About this home

Built-in FeaturesCeiling Fans(s)Living Room/Dining Room ComboPrimary Bedroom Main FloorWindow TreatmentsRain GuttersStorageClubhouse

38546 Stafford Dr is a 1980-built home in Shady Oaks Mobile Modular Estates, Zephyrhills. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,344 square feet of living space. Listed at $170,000 (about $126/sqft), 62 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $41.67 monthly.

From the listing

Spacious, furnished, and ready for you to enjoy the Florida lifestyle! This well-maintained 2-bedroom, 2-bathroom double-wide offers approximately 1,344 square feet of heated and cooled living space in Shady Oaks, a welcoming 55+ community where you own the land beneath your home. Best of all, this home is being sold furnished, making it an excellent option for buyers looking for an easy transition into a seasonal retreat or full-time Florida residence. The generous floor plan offers plenty of space and flexibility, including a dedicated office perfect for working from home, hobbies, or crafts, along with an additional bonus room that can easily serve as a den, reading room, exercise area, or extra space for guests. A separate storage room provides even more room to keep everything organized. Shady Oaks is both golf cart and pet friendly and offers an impressive array of amenities, including a heated community pool, shuffleboard, horseshoes, bocce ball, and an active clubhouse with a variety of activities and social events throughout the year. Even better, the HOA fee is only $500 per year, allowing you to enjoy fantastic community amenities without the high monthly fees found in many 55+ communities. Conveniently located near shopping, restaurants, medical facilities, and local attractions, everything you need is just minutes away. With spacious living areas, versatile bonus spaces, furnishings included, land ownership, low HOA fees, and a vibrant community atmosphere, this property offers an exceptional opportunity for affordable full-time or seasonal Florida living. Come discover the comfort, convenience, and easygoing lifestyle that make Shady Oaks such a wonderful place to call home!

The essentials

Built
1980
Price / sqft
$126
On market
62 days
Annual tax
$778
HOA
$41.67/mo
Flood zone
X · Low risk
Lot
5,320 sqft
Type
Manufactured Home

At a glance

Manufactured home
Built 1980
Community pool
Shared amenity
5,320 sqft lot
Lot size
1,344 sqft
Living area

Payment

Est. monthly payment
$1,079/mo
Down payment (20%)
$34,000
Property taxes
$65/mo
HOA
$41.67/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Manufactured Home
Year Built
1980
Lot
5,320 sqft
Cooling
Central Air, Wall/Window Unit(s)
Heating
Central
Parking
Driveway
Days on Market
62
Built-in Features
Ceiling Fans(s)
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Window Treatments
Rain Gutters
Storage
Clubhouse
Deed Restrictions
Pool
Special Community Restrictions
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Refrigerator
Washer
Elementary
Chester W Taylor Elemen-PO
Middle
Raymond B Stewart Middle-PO
High
Zephryhills High School-PO

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$778
Parcel #
21-26-23-0040-00C00-0050

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
Shady Oaks Mobile Modular Estates
County
Pasco
MLS Area
33540 - Zephyrhills
Lot Size
5,320 sqft
HOA
$41.67/mo
Greg Emerson

Price history

Date
Event
Price
9/25/2026
Price change
Source: Stellar MLS #TB8539537
$170,000-2.9%
$126/sqft
8/11/2026
Listed for sale
Source: Stellar MLS #TB8539537
$175,000
$130/sqft

Neighborhood

38546 Stafford Dr
Zephyrhills, FL, 33540 · 33540 - Zephyrhills

Market insights

Offer Insights

Choose an offer strength

List price: $170,000
$170,000
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 62 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.

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Calculator

Est. monthly payment
$1,078/mo
Principal & interest$887
Property taxes$65
Insurance$85
HOA$42
Down payment20% · $34,000
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%. HOA includes any condo dues reported on the listing. 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

$170,000

$126 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,344 sq ft

Time on market

62 days

Year built

1980

Monthly payment

About $1,079/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $778 annual tax bill, insurance, and the $41.67/mo HOA fee.

HOA fee

$41.67/mo

Managed by Greg Emerson.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byKELLER WILLIAMS TAMPA PROPERTIESListing agent: Ana HenriquezListing data from Stellar MLS, MLS# TB8539537.

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