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38190 Shale Stone CT, Zephyrhills, FL, 33540

$140/sqft·Cobblestone

5 bd4 ba3,761 sqft2 car garageSingle Family
Listed by SIGNATURE REALTY ASSOCIATES· Last updated · MLS# TB8535940

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Est. monthly payment
$3,927/mo
Down payment (20%)
$105,000
Property taxes
$913/mo
HOA
$160/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2023
Waterfront
Pond
Community pool
Shared amenity
2 car garage
6,738 sqft lot
Lot size

About this home

High CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorPrimarybedroom UpstairsStone CountersThermostatWalk-in Closet(s)

38190 Shale Stone CT is a 2023-built home in Cobblestone, Zephyrhills. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,761 square feet of living space. Listed at $525,000 (about $140/sqft), 31 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $160 annually.

From the listing

STUNNING & HIGHLY SOUGHT-AFTER M/I HOMES MIRA LAGO FLOOR PLAN! WATERFRONT! TWO PRIMARY SUITES! Welcome to this meticulously maintained, like-new home loaded with premium upgrades and situated on a gorgeous private waterfront cul-de-sac homesite in the highly desirable Cobblestone community. This stunning M/I Homes Mira Lago floor plan offers approximately 3,761 square feet of luxurious living space with 5 bedrooms, 4 full bathrooms, a spacious bonus room, and an oversized 2-car garage, providing the perfect blend of elegance, comfort, and functionality. The Mira Lago is one of M/I Homes' most popular floor plans, known for its spacious open-concept design and flexible living spaces. A beautiful brick-paver driveway and walkway lead to the impressive front entrance. Step inside the grand foyer featuring soaring ceilings and beautiful tile flooring throughout most of the first floor. The formal dining room is ideal for hosting family gatherings and dinner parties. The chef-inspired kitchen is truly the heart of the home, showcasing extended 42-inch stacked cabinetry with crown molding, upgraded stainless steel appliances, a custom canopy range hood, built-in wall oven, cooktop, granite countertops, oversized island, custom pantry, breakfast bar, upgraded lighting, and a spacious casual dining area. The expansive family room is perfect for entertaining and features oversized sliding glass doors that open to the covered lanai, creating seamless indoor-outdoor living. Relax while enjoying breathtaking sunset views overlooking the peaceful water and conservation area. The large backyard offers plenty of space for outdoor entertaining, barbecues, and family gatherings. Need a private space for In-Laws, extended family or guests? The first floor features one of two luxurious primary suites, complete with a large walk-in closet and a beautifully appointed en-suite bathroom featuring dual vanities and a spacious walk-in shower. Upstairs, you'll find the impressive owner's retreat with another large walk-in closet and an upgraded spa-inspired bathroom offering dual granite vanities with a dedicated makeup area and an oversized walk-in shower finished with designer tile. Additional spacious secondary bedrooms share a full bathroom, while the enormous bonus room provides endless possibilities as a game room, media room, home theater, fitness room, or playroom. Residents of Cobblestone enjoy outstanding community amenities, including a resort-style pool, playground, park, and green spaces, all conveniently located near SR 56, SR 54, US-301, shopping, dining, hospitals, golf courses, The Shops at Wiregrass, Tampa Premium Outlets, KRATE at the Grove, Tampa International Airport, downtown Tampa, and top-rated schools. This exceptional home truly has it all and is a must-see! Schedule your private showing today before this incredible opportunity is gone!

The essentials

Built
2023
Price / sqft
$140
On market
37 days
Annual tax
$10,959
HOA
$160/yr
Flood zone
X · Low risk
Lot
6,738 sqft
Type
Single Family Residence

Location

38190 Shale Stone CT
Zephyrhills, FL, 33540·33540 - Zephyrhills
Type
Single Family Residence
Year Built
2023
Lot
6,738 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
Pond
Days on Market
37
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Primarybedroom Upstairs
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Sidewalk
Community Mailbox
Park
Playground
Pool
Sidewalks
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Microwave
Range Hood
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 (2025)

$10,959

Parcel #

26-26-21-0060-00000-2590

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

Cobblestone

County

Pasco

MLS Area

33540 - Zephyrhills

Lot Size

6,738 sqft

Conservation AreaCul-De-SacOversized LotPrivatePaved
HOA
$160/yr
Melrose
Date
Event
Price
8/5/2026
Listed for sale
Source: Stellar MLS #TB8535940
$525,000+1.4%
$140/sqft
12/19/2023
Sold
Source: Pasco County Public Record
$517,700
$138/sqft
Est. monthly payment$3,927/mo
Principal & interest$2,738
Property taxes$913
Insurance$263
HOA$13
Down payment20% · $105,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. 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

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List price: $525,000
$520,000 – $525,000
99.5% – 100% of listTops out right at the list price
80% of listList price
54 of the last 84 home closings in 33540 landed at this number or higher (64%). The median one sat 28 days before it went under contract, and this one is on day 37.

Sample: 84 closed home sales in 33540 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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