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Overview

4 bd3 ba3,313 sqftSingle Family
TypeSingle Family
HOA$70/mo
Built2027
Lot8,759 sqft
Living area3,313 sqft
Price / sqft$165

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

New construction · 2027

Different rules apply when you buy new

Build snapshot

Build year
2027
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

Open FloorplanClubhousePlaygroundPoolDishwasherMicrowaveRange

36295 Hill Dr is a 2027-built home in Two Rivers, Zephyrhills. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,313 square feet of living space. Listed at $548,000 (about $165/sqft), 1 day on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $70 monthly.

From the listing

Under Construction. The builder is offering buyers up to $15,000 towards closing costs with the use of a preferred lender and title company. Archer at Two Rivers is a vibrant new home community in Zephyrhills, Florida, conveniently located off SR-56. This exceptional location places you at the heart of a growing city, with easy access to major roadways such as Morris Bridge Road and I-75, just 15 minutes away. Living at Two Rivers means being close to endless entertainment, dining, and shopping options. Explore The Grove, featuring a movie theater and game center, or visit KRATES for unique local shops and dining. Just minutes away, you’ll find the Tampa Premium Outlets and the Wiregrass Mall, home to a variety of restaurants like GrillSmith, Noble Crust, and The Living Room, along with other dining and retail establishments. For family-friendly fun, the Main Event Entertainment Center offers bowling, laser tag, and arcade games. This community also provides proximity to premier healthcare facilities, including St. Joseph’s Hospital and AdventHealth Wesley Chapel, as well as top-rated Pasco County Schools. Sports enthusiasts will appreciate being near the Wesley Chapel Sports Complex and AdventHealth Center Ice, offering ice skating and other activities. Two Rivers homes are thoughtfully designed with modern features, including all gas appliances, such as tankless gas water heaters and gas stoves ensuring energy efficiency and convenience. Homes are constructed with concrete block on both the first and second stories for durability and come equipped with Smart Home System. Backed by America’s #1 Builder since 2002, Two Rivers combines quality, style, and an unbeatable location. Other inventory options may be available in this community. Please reach out for list of availability.

The essentials

Built
2027
Price / sqft
$165
On market
1 day
Annual tax
$0
HOA
$70/mo
Flood zone
X · Low risk
Lot
8,759 sqft
Type
Single Family Residence

At a glance

Single family
Built 2027
Community pool
Shared amenity
8,759 sqft lot
Lot size
3,313 sqft
Living area
Brand new
Built 2027

Payment

Est. monthly payment
$3,910/mo
Down payment (20%)
$109,600
Property taxes
$0/mo
HOA
$70/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2027
Lot
8,759 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
1
Open Floorplan
Clubhouse
Playground
Pool
Dishwasher
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 (2026)
$0
Parcel #
28 26 21 0050 00100 0520

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
8,759 sqft
HOA
$70/mo
Access Management

Price history

Date
Event
Price
10/17/2026
Listed for sale
Source: Stellar MLS #TB8559152
$548,000
$165/sqft

Neighborhood

36295 Hill Dr
Zephyrhills, FL, 33541 · 33541 - Zephyrhills

Market insights

Offer Insights

Choose an offer strength

List price: $548,000
$545,000 – $548,000
99.5% – 100% of listTops out right at the list price
80% of listList price
211 of the last 371 home closings in 33541 landed at this number or higher (57%). The median one sat 52 days before it went under contract, and this one is on day 1.

Sample: 371 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
$3,910/mo
Principal & interest$2,858
Property taxes$708
Insurance$274
HOA$70
Down payment20% · $109,600
Interest rate6.80%
Loan term

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Property taxes estimated at 1.55% of price a year. 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

$548,000

$165 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,313 sq ft

Time on market

1 day

Year built

2027

Monthly payment

About $3,910/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $70/mo HOA fee.

HOA fee

$70/mo

Managed by Access Management.

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 byD R HORTON REALTY OF TAMPA LLCListing agent: Jodi SmendaListing data from Stellar MLS, MLS# TB8559152.

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