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7427 20th St, Zephyrhills, FL, 33540

5beds
4baths
4,242sqft
$849,999
$200price/sqft
$6,586/moest. monthly cost
$263,440/yrincome needed

About This Home

A private tropical retreat set on 1.96 carefully manicured acres, this 5 bedroom, 4 bathroom pool home offers the ultimate in flexibility, privacy, and style, including a full 1 bedroom in-law suite with its own kitchen, living room, private entry, and pool access. Behind the gated entry, a long driveway leads you through lush Florida landscaping to the classic covered front porch, a warm and inviting welcome to this spacious 4,242 sq ft estate. Inside, you're greeted by a dramatic two-story foyer featuring decorative tile work and elegant stair railings. The main living areas are open and thoughtfully designed, with architectural archways, crown molding, built-in speakers, and elevated lighting fixtures throughout. French doors in the generous living room lead to the screened lanai, and the space offers clear views of the pristine eat-in kitchen, complete with stunning wood cabinetry, granite countertops, stainless steel appliances, a center island, and a cooktop accompanied by a custom range hood. Dining and entertaining here is effortless, with a sunny eat-in dinette, breakfast bar seating, and a formal dining room positioned near the front of the home. The first floor hosts two bedrooms and two full bathrooms, including a spacious guest bedroom with access to a full Jack-and-Jill bathroom, as well as an oversized peaceful primary suite offering pool views, private lanai access, a massive walk-in closet with custom organizers, and a luxurious ensuite bath with dual sinks and a custom walk-in shower featuring multiple showerheads, bench seating, and a glass enclosure. Upstairs, the home continues to impress with two additional generously sized bedrooms, a full guest bathroom, and a dedicated storage room for added functionality. The private in-law suite enhances the home's versatility- perfect for multigenerational living, long- term guests, or rental income opportunities. This self-contained space includes a full kitchen, living area, bedroom, full bathroom with direct pool access, and three private entrances: one through the garage, one from a separate covered front porch, and one from the pool deck. Its own dedicated laundry setup in the garage adds even more independence. Step outside to a massive screened pool deck finished in pavers and bordered by tranquil wooded views. Two storage sheds sit neatly on the property, and the welcomed shade from mature trees makes outdoor living as comfortable as it is scenic. With an additional 1,823 sq ft of open porch space, there's no shortage of spots to relax and enjoy the meticulously maintained landscape. This is a truly special opportunity to own a sprawling estate in the heart of Zephyrhills. Contact us today to schedule your private tour.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

3/10
2/10
Zephyrhills High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Oven,Cooktop,Dishwasher,Dryer,Microwave,Range Hood,Refrigerator,Washer
  • Laundry features: In Garage,Inside,Laundry Room

Bedroom2

  • Features: Ceiling Fan(s),Jack & Jill Bathroom,Built-in Closet
  • Level: First
  • Area: 240
  • Dimensions: 15x16

Bedroom3

  • Features: Dual Closets
  • Level: Second
  • Area: 273
  • Dimensions: 21x13

Bedroom4

  • Features: Built-in Closet
  • Level: Second
  • Area: 180
  • Dimensions: 9x20

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Level: First
  • Area: 238
  • Dimensions: 14x17

Features

  • Ceiling Fan(s),Central Vacuum,Crown Molding,Eating Space In Kitchen,Open Floorplan,Primary Bedroom Main Floor,Solid Wood Cabinets,Split Bedroom,Stone Counters,Walk-In Closet(s),In-Law Floorplan
  • Door features: French Doors
  • Flooring: Carpet,Tile,Hardwood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 6,765
  • Total interior livable area: 4,242 sqft

Kitchen

  • Features: Breakfast Bar,Granite Counters,Kitchen Island
  • Level: First
  • Area: 154
  • Dimensions: 14x11

Living Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Area: 504
  • Dimensions: 24x21

Primary Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Area: 300
  • Dimensions: 15x20

Property

Details

  • Parcel number: 3525210010065000000
  • Zoning: R2
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Gunite,In Ground,Lighting,Screen Enclosure
  • Patio & porch: Covered,Front Porch,Rear Porch,Screened,Side Porch
  • Exterior features: Lighting,Storage
  • Fencing: Chain Link,Vinyl,Wood
  • Has view: Yes
  • View description: Pool,Trees/Woods
  • Residential vegetation: Mature Landscaping,Trees/Landscaped

Lot

  • Lot size: 1.96 Acres
  • Features: City Lot,Irregular Lot,Landscaped,Oversized Lot

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Oversized
  • 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

  • Hurricane
    HurricaneRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Tornado
Inland Flooding
Lightning
Tsunami

FEMA Declared Disasters in Pasco County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $4,298$51,576
Home Insurance *$328$3,936
Property Taxes $1,534$18,408
Electricity $426$5,122
Total$6,586$79,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$225,805/yr
40% on housing$197,580/yr
45% on housing$175,626/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 15.8%
15.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.5%
5.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 33540$139
Pasco County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 33540$180
Pasco County$204

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

DateEventPrice
2026-03-04Price change$949,999
2025-10-28Price change$999,999
2025-09-18Price change$1,049,000
2025-08-15Listed for sale$1,099,000
2025-08-12Pending sale$1,099,000
2025-06-20Listed for sale$1,099,000
2021-03-24Listing removed--
2020-05-06Listing removed$1,250,000
2020-05-05Listed for sale$1,250,000
2019-10-16Sold$448,450
2019-10-05Price change$897,995
2019-10-03Pending sale$469,000
2019-10-03Listed for sale$469,000
2019-08-08Listing removed$469,000
2019-07-10Price change$469,000
2019-04-27Listed for sale$480,000
2019-04-27Pending sale$480,000
2019-03-11Listed for sale$480,000
2019-03-11Pending sale$480,000
2019-02-18Price change$480,000
2018-11-14Price change$500,000
2018-10-05Listed for sale$525,000
2005-05-10Sold$190,000

For Sale by Agent

AgentSonny Glover
BrokerageKING & ASSOCIATES REAL ESTATE LLC

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