Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 2 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 3 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 4 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 5 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 6 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 7 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 8 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 9 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 10 of 39
Living Room - 38611 FERM CIR, ZEPHYRHILLS
Living Room - 38611 FERM CIR, ZEPHYRHILLS
Living Room - 38611 FERM CIR, ZEPHYRHILLS
Living Room - 38611 FERM CIR, ZEPHYRHILLS
Eat-In Kitchen - 38611 FERM CIR, ZEPHYRHILLS
Eat-In Kitchen - 38611 FERM CIR, ZEPHYRHILLS
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 17 of 39
Dining Area - 38611 FERM CIR, ZEPHYRHILLS
Eat-In Kitchen - 38611 FERM CIR, ZEPHYRHILLS
Eat-In Kitchen - 38611 FERM CIR, ZEPHYRHILLS
Master Bedroom - 38611 FERM CIR, ZEPHYRHILLS
Master Bedroom - 38611 FERM CIR, ZEPHYRHILLS
Master Bedroom - 38611 FERM CIR, ZEPHYRHILLS
Master Bedroom - 38611 FERM CIR, ZEPHYRHILLS
En-Suite Bathroom - 38611 FERM CIR, ZEPHYRHILLS
Bedroom 2 - 38611 FERM CIR, ZEPHYRHILLS
Bedroom 2 - 38611 FERM CIR, ZEPHYRHILLS
Guest Bathroom - 38611 FERM CIR, ZEPHYRHILLS
Laundry in Garage - 38611 FERM CIR, ZEPHYRHILLS
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 30 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 31 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 32 of 39
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Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 36 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 37 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 38 of 39
Single Family Residence at 38611 FERM CIR, ZEPHYRHILLS, photo 39 of 39
39 photos

$265,000

38611 FERM CIR
ZEPHYRHILLS, FL 33540
Listed by Kim Barker · VITIS REALTY
Bedrooms
2
Bathrooms
2
Living area
1,115 sqft
Year built
1985

About this home

***ELIGIBLE FOR 100% USDA FINANCING*** Looking for an AFFORDABLE place to call home with room to spread out and the freedom to make it your own? Welcome to FERM CIRCLE, tucked away in a sidewalk lined traditional neighborhood with NO THROUGH TRAFFIC and conveniently close to major shopping centers, restaurants, and medical offices. This well-maintained, solid concrete block home offers a NEWER ROOF (2019), and a spacious TWO-CAR GARAGE. The practical SPLIT-BEDROOM layout features an UPDATED KITCHEN with SOLID WOOD CABINETS and a huge primary suite with a surprising amount of flex space that could host your home office or exercise equipment. Step outside to discover a spacious QUARTER ACRE LOT with a FENCED BACK YARD and SCREENED PATIO; perfect for relaxing outdoors, gardening, entertaining, or simply enjoying your own private space. Enjoy the everyday freedom of NO HOA OR CDD. You’re welcome to park your RV or boat here and bring the pets with you too! The utilities at the home include HIGH SPEED INTERNET public water, and PRIVATE SEPTIC which helps keep monthly costs down. Beyond your front door, discover why Zephyrhills continues to attract those seeking small-town charm with modern conveniences. This growing community takes pride in its welcoming atmosphere, with public gathering spaces like Zephyr Park, Hercules Park, and Depot Park. The historic downtown is a lively, walkable district featuring local parades, pop-up markets, and seasonal celebrations. Located within the A-rated Pasco County School District, this home puts you in a DESIRABLE LOCATION where everyday errands are convenient and community connections are easy to find. Whether you're buying your first home, downsizing, or simply looking for an AFFORDABLE opportunity to enjoy the Zephyrhills lifestyle, this home offers a wonderful place to put down roots and make it your own. Call today to schedule your personal tour!

Property details

MLS
Stellar MLS
MLS #
MFRTB8556646
Property type
Single Family Residence
Subdivision
GROVES
Status
Active
Days on market
N/A
On market date
October 16, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
2
Parking spaces
N/A
Lot size
0.26 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.

Elementary
WOODLAND ELEMENTARY SCHOOL
1.79 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
791
Student:teacher ratio
16.1:1
District
PASCO
Middle
CENTENNIAL MIDDLE SCHOOL
2.13 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
592
Student:teacher ratio
16.9:1
District
PASCO
High
ZEPHYRHILLS HIGH SCHOOL
1.74 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).

20
Very car-dependent
out of 100
EPA National Walkability Index
3.8 / 20 -- Least walkable
Google Places amenity density
20 / 100
Restaurants & cafes2
Grocery stores0
Parks0
Schools3
Transit stops0
Pharmacies0

Market position

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

On the market 0 days -- 91 fewer days than ZEPHYRHILLS's current average of 91 days.
For reference, the median list price across 878 active listings in ZEPHYRHILLS right now is $265,000.

Mortgage calculator

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

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Est. monthly payment
$1,746/mo
$53,000 down
$212,000 loan
Principal & interest$1,375
Property tax (est.)$221
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 2 days ago.

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.