2785 Gardiner Ln, Zephyrhills, FL, 33541
About This Home
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.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Completed
- New construction: Yes
- Year built: 2024
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Block,Stucco
Other
- Builder model: Ensley
- Builder name: DR Horton
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
- Laundry features: Laundry Room
Bedroom2
- Features: Built-in Closet
- Level: First
- Area: 110
- Dimensions: 11x10
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Features
- Open Floorplan
- Door features: Sliding Doors
- Flooring: Carpet,Ceramic Tile
Great Room
- Level: First
- Area: 196
- Dimensions: 14x14
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 2,825
- Total interior livable area: 2,371 sqft
Kitchen
- Level: First
- Area: 180
- Dimensions: 12x15
Primary Bedroom
- Features: Walk-In Closet(s)
- Level: Second
- Area: 247
- Dimensions: 13x19
Property
Details
- Parcel number: 2926210090025000140
- Zoning: MPUD
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Has view: Yes
- View description: Pond
- Has water view: Yes
- Water view: Pond
Lot
- Lot size: 7,000 sqft
Parking
- Total spaces: 2
- Parking features: Garage - Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Tornado
- Hurricane
- Inland Flooding
- Lightning
- Strong Wind
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pasco County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,123 | $25,476 |
| Home Insurance * | $214 | $2,568 |
| Property Taxes | $286 | $3,432 |
| Electricity | $238 | $2,863 |
| Total | $2,861 | $34,332 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-29 | Price change | $420,000 |
| 2026-02-21 | Price change | $425,000 |
| 2026-02-10 | Listed for sale | $435,000 |
| 2025-01-16 | Sold | $409,990 |
| 2024-11-24 | Pending sale | $409,990 |
| 2024-10-31 | Price change | $409,990 |
| 2024-10-17 | Price change | $414,990 |
| 2024-10-02 | Price change | $424,990 |
| 2024-09-26 | Price change | $429,990 |
| 2024-09-04 | Price change | $435,990 |
| 2024-08-21 | Listed for sale | $434,990 |
| 2024-08-20 | Listing removed | $434,990 |
| 2024-08-17 | Listed for sale | $434,990 |
| 2024-08-14 | Listing removed | $434,990 |
| 2024-08-06 | Price change | $434,990 |
| 2024-07-17 | Listed for sale | $433,990 |
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