8103 WHEAT STONE DRIVE, ZEPHYRHILLS, FL, 33540
Active6 days on marketListed Jul 29, 2026MLS #TB8531771
About this home
8103 WHEAT STONE DRIVE
Step into modern comfort and effortless style in this beautifully maintained 3-bedroom, 2-bath home built in 2020, offering the fresh, like-new feel buyers love. Recently painted throughout, the home welcomes you with crisp interiors, tile flooring in every room, and absolutely no carpet—perfect for easy living and easy cleaning. Enjoy a stunning lake view right from your screened lanai, where peaceful mornings and relaxing evenings become part of your daily routine. The open layout flows seamlessly, and the versatile 3rd bedroom doubles perfectly as a home office or den, giving you flexibility for work or leisure. A spacious 2-car garage provides plenty of storage, and the home’s prime location places you just minutes from shopping, dining, and everyday conveniences. Even better—this home comes with an assumable loan at an incredible 2.5% interest rate, offering a rare opportunity for significant monthly savings. A clean, modern home with a water view, flexible living space, and an unbeatable interest rate—this one checks every box. Come see why it’s the perfect place to call home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,822
Sqft
0.14 ac
Lot size
2
Garage
2020
Year built
One
Levels
$165
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.
$2,765 /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
$2,765/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
−19.3%
$/sqft vs Zephyrhills actives
$165 vs $176
Days on market
6 vs 47 typical
Where $165/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 33540 — neighborhood snapshot
Population
11,098
Median age
56.1
Median income
$55,426
Median home value
$120,600
Avg household
2.31
Households w/ children
789
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
$331K → $363K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
206 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 10% below the ZEPHYRHILLS 33540 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 8103 WHEAT STONE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$326,990
38387 TEA ROSE AVENUE · same community
4 bd · 2 ba · 1,828 sqft · $179/sqft · 4 DOM
Sold · Jun ’26$334,990
8488 WHEAT STONE DRIVE · same community
4 bd · 2 ba · 1,828 sqft · $183/sqft · 18 DOM
Sold · Jul ’26$335,340
8456 WHEAT STONE DRIVE · same community
4 bd · 2 ba · 1,828 sqft · $183/sqft · 27 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 8103 WHEAT STONE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8103 WHEAT STONE DRIVE — 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
8103 WHEAT STONE DRIVE FAQs
What would the monthly payment be for 8103 WHEAT STONE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,765/mo — principal and interest, the actual property-tax bill, the $89/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 8103 WHEAT STONE DRIVE?+
The association fee works out to $89 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8103 WHEAT STONE DRIVE?+
The most recent tax bill on record (2025) was $7,411. 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 8103 WHEAT STONE DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Yes. 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 $299,999, this home is listed about 6% below the Zephyrhills median of $319,900. The market section on this page shows how the area is trending.
Which schools are assigned to 8103 WHEAT STONE DRIVE?+
Raymond B. Stewart Middle School (middle), Zephyrhills High School (high), Chester W. Taylor Junior Elementary School (elementary) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ZEPHYRHILLS 33540 market on paper
$299,999 is 10% below the ZEPHYRHILLS 33540 median of $334,900, and at $165/sqft it sits under the Zephyrhills average of $179.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 6 days on market in a Zephyrhills market that averages 47 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of AGILE GROUP REALTY · Ken Carter. MLS #TB8531771.
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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