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2785 Gardiner Ln, Zephyrhills, FL, 33541

$177/sqft·Two Rivers

4 bd3 ba2,371 sqft2 car garageSingle Family
Listed by BUYSELL REALTY PROS INC· Last updated · MLS# TB8474611

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$2,956/mo
Down payment (20%)
$84,000
Property taxes
$0/mo
HOA
$13/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2024
Community pool
Shared amenity
2 car garage
7,000 sqft lot
Lot size
2,371 sqft
Living area

About this home

Open FloorplanSliding DoorsClubhousePlaygroundPoolDishwasherDryerMicrowave

2785 Gardiner Ln is a 2024-built home in Two Rivers, Zephyrhills. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,371 square feet of living space. Listed at $420,000 (about $177/sqft), 70 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $13 monthly.

From the listing

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.

The essentials

Built
2024
Price / sqft
$177
On market
214 days
Annual tax
$0
HOA
$13/mo
Flood zone
X · Low risk
Lot
7,000 sqft
Type
Single Family Residence

Location

2785 Gardiner Ln
Zephyrhills, FL, 33541·33541 - Zephyrhills
Type
Single Family Residence
Year Built
2024
Lot
7,000 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
214
Open Floorplan
Sliding Doors
Clubhouse
Playground
Pool
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer

Elementary

Chester W Taylor Elemen-PO

Middle

Raymond B Stewart Middle-PO

High

Zephryhills High School-PO

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District)Flood Zone x

Annual Tax (2024)

$0

Parcel #

29-26-21-0090-02500-0140

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Two Rivers

County

Pasco

MLS Area

33541 - Zephyrhills

Lot Size

7,000 sqft

HOA
$13/mo
Inframark
Date
Event
Price
3/29/2026
Price change
Source: Stellar MLS #TB8474611
$420,000-1.2%
$177/sqft
Price change
Source: Stellar MLS #TB8474611
$425,000-2.3%
$179/sqft
2/9/2026
Listed for sale
Source: Stellar MLS #TB8474611
$435,000+6.1%
$183/sqft
1/16/2025
Sold
Source: Pasco County Public Record
$410,000
$173/sqft
Est. monthly payment$2,956/mo
Principal & interest$2,190
Property taxes$543
Insurance$210
HOA$13
Down payment20% · $84,000
Interest rate6.80%
Loan term

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Property taxes estimated at 1.55% of price a year. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $420,000
$417,500 – $420,000
99.5% – 100% of listTops out right at the list price
80% of listList price
150 of the last 263 home closings in 33541 landed at this number or higher (57%). The median one sat 48 days before it went under contract, and this one is on day 214 after a $15,000 cut.

Sample: 263 closed home sales in 33541 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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