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Overview

4 bd2 ba1,850 sqft2 car garageSingle Family
TypeSingle Family
HOA$209/qtr
Built2026
Lot5,000 sqft
Living area1,850 sqft
Price / sqft$212
Garage2 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
TWO RIVERS
Type
Single Family Residence

True monthly carry

HOA
~$70/mo
CDD bond
Yes — typically $1,500–$3,500/yr
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.

About this home

High CeilingsIN Wall Pest SystemOpen FloorplanStone CountersWalk-in Closet(s)ClubhouseParkPlayground

36644 Thornhedge Dr is a 2026-built home in Two Rivers, Zephyrhills. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,850 square feet of living space. Listed at $392,990 (about $212/sqft), 54 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $209 quarterly.

From the listing

Under Construction. Valeria BELOW MARKET INTEREST RATES with use of Seller's Preferred Lender. Discover a world of effortless elegance and comfort with the Valeria, a single-story home featuring 4 bedrooms, 2 bathrooms and a 2-car garage. The foyer leads to three bedrooms, a full bathroom, and a convenient laundry room. The vaulted-ceilings and open concept living, dining, and kitchen areas are perfect for entertaining or cozy family nights, all enhanced by sleek quartz countertops, stainless steel appliances and luxury vinyl plank flooring. Enjoy seamless indoor-outdoor living with access to the covered lanai through sliding glass doors in the dining area. The owner’s suite is spacious and can easily fit a large bedroom set, the owner's bathroom is impressive with a dual vanity, walk-in shower and an oversized walk-in closet. The smart thermostat with voice control and charming landscaping add to the home’s appeal and practicality. Life at Two Rivers blends nature with vibrant community living. Residents enjoy access to The Nest amenity hub, featuring a resort-style pool, playground, and dog park, along with wooded landscapes, winding creeks, scenic ponds, and peaceful lakes throughout the community. Nearby shopping and dining at The Grove at Wesley Chapel is also just 10 minutes away. Images shown are for illustrative purposes only and may differ from actual home. Completion date subject to change. Contact or make an appointment for more details on interest rates.

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The essentials

Built
2026
Price / sqft
$212
On market
54 days
Annual tax
$79,647
HOA
$209/qtr
Flood zone
X · Low risk
Lot
5,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
5,000 sqft lot
Lot size
1,850 sqft
Living area

Payment

Est. monthly payment
$8,953/mo
Down payment (20%)
$78,598
Property taxes
$6,637/mo
HOA
$209/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
5,000 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
54
High Ceilings
IN Wall Pest System
Open Floorplan
Stone Counters
Walk-in Closet(s)
Clubhouse
Park
Playground
Pool
Dishwasher
Disposal
Microwave
Range
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.

In a CDD (Community Development District) Flood Zone X
Annual Tax (2024)
$79,647
Parcel #
28-26-21-0100-04000-0340

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
Two Rivers
County
Pasco
MLS Area
33541 - Zephyrhills
Lot Size
5,000 sqft
HOA
$209/qtr
Jayna Cooper

Price history

Date
Event
Price
10/5/2026
Price change
Source: Stellar MLS #TB8539925
$392,990-1.8%
$212/sqft
-
Price change
Source: Stellar MLS #TB8539925
$399,990-5.3%
$216/sqft
8/18/2026
Listed for sale
Source: Stellar MLS #TB8539925
$422,190-96.0%
$228/sqft
5/9/2025
Sold
Source: Pasco County Public Record
$10,584,100
$5,721/sqft

Neighborhood

36644 Thornhedge Dr
Zephyrhills, FL, 33541 · 33541 - Zephyrhills

Market insights

Offer Insights

Choose an offer strength

List price: $392,990
$390,000 – $392,990
99.5% – 100% of listTops out right at the list price
80% of listList price
203 of the last 353 home closings in 33541 landed at this number or higher (58%). The median one sat 47 days before it went under contract, and this one is on day 54 after a $29,200 cut.

Sample: 353 closed home sales in 33541 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$8,953/mo
Principal & interest$2,050
Property taxes$6,637
Insurance$196
HOA$70
Down payment20% · $78,598
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 is the fee 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

$392,990

$212 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,850 sq ft

Time on market

54 days

Year built

2026

Monthly payment

About $8,953/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $79,647 annual tax bill, insurance, and the $209/qtr HOA fee.

HOA fee

$209/qtr

Managed by Jayna Cooper.

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 byCASA FRESCA REALTYListing agent: Michael HumanListing data from Stellar MLS, MLS# TB8539925.

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