
35132 ACKLEY TRACE, ZEPHYRHILLS, FL, 33541
Active137 days on marketListed Mar 16, 2026MLS #TB8472012
About this home
35132 ACKLEY TRACE
One or more photo(s) has been virtually staged. Better-than-new 2024 build in Zephyrhills' Two Rivers community — this 5-bedroom home sits on a premium, oversized lot with rare privacy. Barely lived in and meticulously maintained, the home offers pristine condition throughout, along with thoughtful upgrades that elevate it well beyond builder standard. With no homes at the rear, the property enjoys rare privacy, tranquil wooded views framed by mature trees, and a vinyl privacy fence — creating a peaceful setting with unobstructed sunset views. The open floor plan features large neutral rectangular tile flooring across the entire first floor and abundant natural light throughout. The expansive great room connects the living area, dining space, and chef's kitchen, ideal for everyday living and entertaining alike. The kitchen is anchored by a massive island with barstool seating, quartz countertops, a gas range with an exterior-vented hood, and a mounted microwave, complemented by upgraded LED and recessed lighting throughout the main living spaces. A glass door leads directly to the screened-in lanai, extending the living space outdoors. The first floor also includes a laundry room, a convenient half bath, and generous storage. Upstairs, a flexible loft offers bonus space for a home office or play area. The primary suite is a true retreat, featuring two large windows with private wooded views, a massive walk-in closet, and a spa-inspired ensuite with double quartz vanities, custom subway tile, a separate water closet, and a new glass shower enclosure. Additional bedrooms are spacious, most never used, and the full upstairs bathroom features double vanities, quartz countertops, and matching custom subway tile. Additional upgrades include a water softener with reverse osmosis, epoxy-coated garage floors, gutters, an upgraded thermostat, and new lighting fixtures throughout. The yard is deeper and larger than most in the community, further enhancing privacy and outdoor enjoyment. Residents of Two Rivers enjoy resort-style amenities including a clubhouse, pool, playgrounds, fire pits, and scenic walking trails. Conveniently located near Tampa Premium Outlets, Shops at Wiregrass, KRATE, top-rated schools, major universities, downtown Tampa, Tampa International Airport, and Florida's beautiful beaches, this home offers the perfect blend of luxury, location, and lifestyle. Schedule your private showing today.
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
2,217
Sqft
0.13 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$179
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,016 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,016/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2.2%
$/sqft vs Zephyrhills actives
$179 vs $169
Days on market
137 vs 44 typical
Where $179/sqft sits among the 400 Zephyrhills actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Zephyrhills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
ZEPHYRHILLS 33541 — neighborhood snapshot
Population
23,913
Median age
57.8
Median income
$55,556
Median home value
$111,300
Avg household
2.21
Households w/ children
1,812
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Zephyrhills market
$310K → $350K
Zephyrhills median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
202 of 400
Zephyrhills actives have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 35132 ACKLEY TRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$606,220
34724 LOWERY TRAIL
4 bd · 3 ba · 2,257 sqft · $269/sqft · 10 DOM
Sold · Mar ’26$508,999
1668 ANSON LANE
4 bd · 2.5 ba · 2,391 sqft · $213/sqft · 0 DOM
Sold · Feb ’26$550,000
1592 ANSON LANE
4 bd · 3 ba · 2,394 sqft · $230/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 35132 ACKLEY TRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 35132 ACKLEY TRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
35132 ACKLEY TRACE FAQs
What would the monthly payment be for 35132 ACKLEY TRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,016/mo — principal and interest, the actual property-tax bill, the $19/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 35132 ACKLEY TRACE?+
The association fee works out to $19 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 35132 ACKLEY TRACE?+
The most recent tax bill on record (2024) was $3,889. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 35132 ACKLEY TRACE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Zephyrhills?+
At $397,000, this home is listed about 28% above the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 35132 ACKLEY TRACE?+
Chester W. Taylor Junior Elementary School (elementary), Raymond B. Stewart Middle School (middle), Zephyrhills High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$397,000 runs 22% above the ZEPHYRHILLS 33541 median — but at 2,217 sqft it's also 38% larger than the typical Zephyrhills listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
137 days on market against a Zephyrhills median of 44 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $400,000, now $397,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Greg Atamyildiz. MLS #TB8472012.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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