# 38648 FERM Circle, Zephyrhills, FL 33540 > **TL;DR:** 3bd/2ba single family, $310,000 ($238/sqft), built 1985, 1,304 sqft. > A/C, 1-car garage. Est. $1,658/mo. Listed 92 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $310,000 | | Price/sqft | $238 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 1,304 | | Year Built | 1985 | | Lot Size | 11,326 sqft (0.26 acres) | | Stories | 1 | | Garage | 1-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 92 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,568 | | Estimated Insurance | $90 | | **Total** | **$1,658** | ## Key Amenities - A/C - 1-car garage ## Property Highlights - Built in 1985 - 0.26 acre lot ## Description ### Agent Description Welcome home to 38648 Ferm Circle, a beautifully maintained 3-bedroom, 2-bathroom nestled under a canopy of gorgeous mature oaks in the heart of Zephyrhills. This 1,404 sq ft gem sits on a generous 0.26-acre fully fenced lot, offering the kind of privacy and space that's getting harder to find. Step inside to a bright, open living area featuring vaulted ceilings and new flooring throughout, creating a fresh, move in ready feel from room to room. The eat in kitchen offers plenty of cabinet and counter space and a cozy dining nook perfect for morning coffee. Peace of mind comes standard here with double pane windows, a newer drain field, and a newer hot water heater major ticket items already handled for you. Step outside and fall in love with the massive, fully fenced backyard shaded by mature oaks plenty of room to garden, entertain, or just relax. A large covered carport offers room for a boat, RV, or trailer, ideal for the outdoor enthusiast who needs space for the toys. Not to mention a huge shed connected to electricity. Bonus: With an acceptable offer, a 1985 ProCraft boat with a 2024 Honda motor can be included hop in the water without the extra shopping trip! Centrally located in Zephyrhills with easy access to shopping, dining, and Tampa's outdoor recreation, this move in ready home won't last. ## Location - **Address:** 38648 FERM Circle, Zephyrhills, FL 33540 - **County:** Pasco - **Neighborhood:** GROVES - **Coordinates:** 28.27425, -82.176588 - **Google Maps:** https://www.google.com/maps?q=28.27425,-82.176588 ## Virtual Tour & Media - **Video Tour:** https://www.propertypanorama.com/instaview/stellar/TB8534899 ## Listing Agent - **Name:** Samuel Rudolph - **Brokerage:** Coldwell Banker - **Broker Phone:** (813) 754-3586 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/38648-Ferm-Cir_Zephyrhills_FL_33540_M51218-81313?f=listhub&s=MFRMLSFL&m=TB8534899&c=propsimple) ## Photos ![38648 FERM Circle - Photo 1](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f3986082086r.jpg) ![38648 FERM Circle - Photo 2](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f2273585056r.jpg) ![38648 FERM Circle - Photo 3](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f3524955595r.jpg) ![38648 FERM Circle - Photo 4](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f2805835513r.jpg) ![38648 FERM Circle - Photo 5](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f3703558400r.jpg) ![38648 FERM Circle - Photo 6](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f1616832431r.jpg) ![38648 FERM Circle - Photo 7](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f1825607213r.jpg) ![38648 FERM Circle - Photo 8](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f2483578213r.jpg) ![38648 FERM Circle - Photo 9](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f932900779r.jpg) ![38648 FERM Circle - Photo 10](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f1837975842r.jpg) ![38648 FERM Circle - Photo 11](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f847959415r.jpg) ![38648 FERM Circle - Photo 12](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f2463592929r.jpg) ![38648 FERM Circle - Photo 13](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f44117269r.jpg) ![38648 FERM Circle - Photo 14](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f1476223676r.jpg) ![38648 FERM Circle - Photo 15](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f855917815r.jpg) ![38648 FERM Circle - Photo 16](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f63960724r.jpg) ![38648 FERM Circle - Photo 17](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f3776090023r.jpg) ![38648 FERM Circle - Photo 18](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f1230027784r.jpg) ![38648 FERM Circle - Photo 19](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f684850719r.jpg) ![38648 FERM Circle - Photo 20](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f2571794507r.jpg) ![38648 FERM Circle - Photo 21](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f124216237r.jpg) ![38648 FERM Circle - Photo 22](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f1517509247r.jpg) ![38648 FERM Circle - Photo 23](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f1198316333r.jpg) ![38648 FERM Circle - Photo 24](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f2832651715r.jpg) ![38648 FERM Circle - Photo 25](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f1802036858r.jpg) ![38648 FERM Circle - Photo 26](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f3777361451r.jpg) ![38648 FERM Circle - Photo 27](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f314703468r.jpg) ![38648 FERM Circle - Photo 28](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f3408508298r.jpg) ![38648 FERM Circle - Photo 29](http://lh.rdcpix.com/e0a2aa591a169a36ce4412e7fd983555l-f1702116742r.jpg) --- **MLS#:** TB8534899 | **Updated:** 2026-10-28 **Source:** listhub *Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/38648-ferm-circle-zephyrhills-fl-33540-83644b70492a40a5855971018ff603cd) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/38648-ferm-circle-zephyrhills-fl-33540-83644b70492a40a5855971018ff603cd#listing", "url": "https://staging.propertysimple.ai/listing/38648-ferm-circle-zephyrhills-fl-33540-83644b70492a40a5855971018ff603cd", "name": "38648 FERM Circle, Zephyrhills, FL 33540", "description": "Welcome home to 38648 Ferm Circle, a beautifully maintained 3-bedroom, 2-bathroom nestled under a canopy of gorgeous mature oaks in the heart of Zephyrhills. This 1,404 sq ft gem sits on a generous 0.26-acre fully fenced lot, offering the kind of privacy and space that's getting harder to find. Step inside to a bright, open living area featuring vaulted ceilings and new flooring throughout, creating a fresh, move in ready feel from room to room. The eat in kitchen offers plenty of cabinet and counter space and a cozy dining nook perfect for morning coffee. Peace of mind comes standard here with double pane windows, a newer drain field, and a newer hot water heater major ticket items already handled for you. Step outside and fall in love with the massive, fully fenced backyard shaded by mature oaks plenty of room to garden, entertain, or just relax. A large covered carport offers room for a boat, RV, or trailer, ideal for the outdoor enthusiast who needs space for the toys. Not to mention a huge shed connected to electricity. Bonus: With an acceptable offer, a 1985 ProCraft boat with a 2024 Honda motor can be included hop in the water without the extra shopping trip! 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