38611 FERM CIRCLE, Zephyrhills, FL 33540

• 2 beds |
• 2 baths |
• 1,115 sqft

Property Description

***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!

Listing Status:

Active

Date Added:

October 16, 2026

Data Last Updated:

November 12, 2026 at 4:23PM

Listing Office:

VITIS REALTY : 352-437-5673

Listing Agent:

Kim Barker : 813-764-7653

Contact:

352-437-5673

MLS ID:

TB8556646

Interior

• General: Ceiling Fans(s)Solid Wood CabinetsSplit BedroomThermostatVaulted Ceiling(s)
• Appliances: DishwasherDryerMicrowaveRangeRefrigeratorWasher
• Laundry: In Garage
• Flooring: CarpetCeramic TileLaminate
• A/C: Central Air
• Heating: Central

Exterior

• General: Rain GuttersSidewalk
• Other Structures: Front PorchRear PorchScreenedCovered
• Parking: DrivewayGarage Door OpenerOn Street

Construction

• Roofing: Shingle
• Windows: Blinds
• General: StuccoOneSlab

Location

• Road/Access: Paved
• Originating MLS: Stellar MLS
• County: Pasco

Lot

• Zoning: ARTHE GROVES PB 23 PG 69 LOT 4026-25-21-0050-00000-0400
• View: City
• Fencing: FencedWood

Utilities

• Utilities: BB/HS Internet AvailableWater Connected
• Water: Public
• Sewer: Septic Tank

Financial

• Source: Stellar MLS
• Ownership: Fee Simple