Single Family Residence at 2785 GARDINER LN, ZEPHYRHILLS
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$420,000

2785 GARDINER LN
ZEPHYRHILLS, FL 33541
Listed by veera Mettu · BUYSELL REALTY PROS INC
Bedrooms
4
Bathrooms
3
Living area
2,371 sqft
Year built
2024

About this home

One or more photo(s) has been virtually staged. One or more photo(s) has been virtually staged. Your search for a newer, spacious waterfront home in a quiet yet convenient location ends here. Welcome to Two Rivers Northwater, a desirable community in Zephyrhills, ideally situated on SR 56 Road, a peaceful, rural atmosphere. This beautiful two-story home offers approximately 2,400 square feet of living space with 4 bedrooms, 3 bathrooms, a large loft, and a 2-car garage, all complemented by a serene pond view from the backyard. One of the standout features is the first-floor bedroom with a full bath, ideal for guests or multigenerational living. The owner’s suite and two additional generously sized bedrooms are located upstairs, thoughtfully separated from the main living areas for added privacy. A spacious open loft provides endless possibilities—home office, media room, play area, or additional lounge space. The first floor welcomes you with an open-concept layout that seamlessly connects the living, family, kitchen, and dining areas—perfect for entertaining and everyday living. Residents of NorthWater enjoy community amenities including a clubhouse, swimming pool, and park, while still having the luxury of a private backyard overlooking the water, perfect for relaxing evenings and weekends. House is priced very competitively for a quick sale. Come experience the comfort, space, and tranquility this exceptional home and community have to provide.

Highlights

New construction

Property details

MLS #
MFRTB8474611
Property type
Single Family Residence
Subdivision
TWO RIVERS
Status
Active
Days on market
70
On market date
February 9, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
2
Parking spaces
N/A
Lot size
0.13 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
CHESTER W. TAYLOR JR. ELEMENTARY SCHOOL
1.51 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
583
Student:teacher ratio
14.2:1
District
PASCO
Middle
RAYMOND B. STEWART MIDDLE SCHOOL
3.96 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,019
Student:teacher ratio
18.2:1
District
PASCO
High
ZEPHYRHILLS HIGH SCHOOL
4.42 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,614
Student:teacher ratio
21.8:1
District
PASCO

Walkability

Blended score for ZEPHYRHILLS's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

15
Very car-dependent
out of 100
EPA National Walkability Index
5.0 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in ZEPHYRHILLS, from live MLS data.

On the market 70 days -- 20 fewer days than ZEPHYRHILLS's current average of 90 days.
For reference, the median list price across 859 active listings in ZEPHYRHILLS right now is $269,900.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$2,679/mo
$84,000 down
$336,000 loan
Principal & interest$2,179
Property tax (est.)$350
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated April 20, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.