38443 CUMMER ROAD, DADE CITY, FL, 33523
Active388 days on marketListed Jul 1, 2025MLS #TB8401358
About this home
38443 CUMMER ROAD
Build Your Dream in Beautiful Dade City! Don't miss this amazing opportunity to own a vacant lot in the heart of Dade City ! A charming and growing community known for its scenic beauty and small-town charm. This property is not in a flood zone, providing peace of mind and making it easier to build. Whether you're looking to build your dream home, invest in land, or develop something special, this lot is full of potential. Enjoy the quiet surroundings, easy access to local amenities, and the freedom to design your future from the ground up. Location: Dade City, FL No Flood Zone. Ready for Your Custom Build. Have questions, Contact me today
Facts & features
The home at a glance
0.21 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$791 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$791/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Dade City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dade City. See the full Dade City guide →
DADE CITY 33523 — neighborhood snapshot
Population
19,296
Median age
40.6
Median income
$60,897
Median home value
$231,700
Avg household
2.79
Households w/ children
2,208
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dade City market
$343K → $335K
Dade City median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
Median sold price, Dade City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 60% below the DADE CITY 33523 median. See the full Dade City market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 38443 CUMMER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38443 CUMMER ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
38443 CUMMER ROAD FAQs
What would the monthly payment be for 38443 CUMMER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $791/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 38443 CUMMER ROAD?+
The most recent tax bill on record (2024) was $55. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Dade City?+
At $99,000, this home is listed about 75% below the Dade City median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 38443 CUMMER ROAD?+
Rodney B. Cox Elementary School (elementary), Pasco Middle School (middle), Pasco High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the DADE CITY 33523 market on paper
$99,000 is 60% below the DADE CITY 33523 median of $244,950.
02Time on market is leverage
388 days on market against a Dade City median of 28 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $150,000, now $99,000 — a $51K cut. The full history is in the market section below.
Listing courtesy of HOME PRIME REALTY LLC · JENNIFER GUTIERREZ. MLS #TB8401358.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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