
35099 ACKLEY TRACE, ZEPHYRHILLS, FL, 33541
Active29 days on marketListed Jun 26, 2026MLS #TB8513020
About this home
35099 ACKLEY TRACE
Investor opportunity or future dream home — this beautifully upgraded 3-bedroom, 2-bath Meritage home in the sought-after Ackley village of Two Rivers is currently tenant-occupied and generating income from day one. HOME AND INTERIOR: From the moment you arrive, the lush tropical landscaping, charming front entry, and fresh curb appeal set the tone for everything inside. Step through the foyer into a bright, open-concept great room where the living, dining, and kitchen areas flow together under soaring vaulted ceilings — the kind of space that feels much larger than 1,455 square feet. Tile flooring throughout the main living areas adds elegance and easy maintenance, while plush carpet in all three bedrooms keeps things warm and comfortable. The heart of the home is the showstopping kitchen, featuring an oversized quartz island with seating for four, a deep undermount sink, stainless steel gas range, built-in microwave, French-door refrigerator, and an abundance of crisp shaker cabinetry. The adjacent dining area is perfectly positioned for entertaining, while the open sightlines to the great room keep everyone connected. BEDROOMS AND BATHS: The primary suite is a true retreat — spacious enough for a king-size set, with a ceiling fan and a private ensuite bath boasting a dual-sink quartz vanity. Both secondary bedrooms are generously sized with ceiling fans, ideal for guests, family, or a work-from-home setup. The second full bath features a quartz vanity and tub/shower combo. A dedicated laundry room and a 2-car garage round out the interior. OUTDOOR & PRIVACY: Out back, a covered rear patio invites you to relax or fire up the grill, overlooking a spacious, fully enclosed yard with a long vinyl privacy fence along the back of the property — giving you room to breathe and the privacy you deserve under the Florida sun. RESORT STYLE AMENITIES: (The Nest) As an Ackley village resident, you'll have access to The Nest — Two Rivers' community hub featuring a resort-style pool, playground, dog park, bocce and cornhole lawns, grilling and picnic areas, a fire pit, and an event pavilion. Nature trails, green spaces, and winding creeks weave throughout this master-planned community, and golf carts are welcome on community roads. UNBEATABLELOCATION: Situated off SR-56, between Morris Bridge Road and US-301, with I-75 just 15 minutes away — you're perfectly positioned for everything the Tampa Bay corridor offers. Shop and dine at Tampa Premium Outlets, the Shops at Wiregrass, The Grove, and KRATE. Catch a movie at The Grove or enjoy family entertainment at Main Event. Downtown Tampa and USF are roughly 35–40 minutes away. Zoned for Chester W. Taylor Elementary, Raymond B. Stewart Middle, and Zephyrhills High School, with a new K-8 school planned within the community. Whether you're adding to your rental portfolio or planning your future home, opportunities like this in Two Rivers don't last. Call today to schedule a showing — tenant in place, so 24-hour notice required.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,455
Sqft
0.11 ac
Lot size
2
Garage
2023
Year built
One
Levels
$206
Per sqft
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 and the real association fee — not generic estimates.
$2,691 /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
$2,691/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−8%
$/sqft vs Zephyrhills actives
$206 vs $170
Days on market
29 vs 44 typical
Where $206/sqft sits among the 400 Zephyrhills actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Zephyrhills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
ZEPHYRHILLS 33541 — neighborhood snapshot
Population
23,913
Median age
57.8
Median income
$55,556
Median home value
$111,300
Avg household
2.21
Households w/ children
1,812
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Zephyrhills market
$310K → $350K
Zephyrhills median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
205 of 400
Zephyrhills actives have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 35099 ACKLEY TRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$365,000
1726 LANIER ROAD · same community
4 bd · 2.5 ba · 1,870 sqft · $195/sqft · 199 DOM
Sold · Jun ’26$479,320
1654 SUTTONSET TRAIL
3 bd · 2 ba · 2,109 sqft · $227/sqft · 90 DOM
Sold · Feb ’26$606,220
34724 LOWERY TRAIL
4 bd · 3 ba · 2,257 sqft · $269/sqft · 10 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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 35099 ACKLEY TRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 35099 ACKLEY TRACE — 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
35099 ACKLEY TRACE FAQs
What would the monthly payment be for 35099 ACKLEY TRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,691/mo — principal and interest, the actual property-tax bill, the $19/mo association fee 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.
How much are the HOA fees at 35099 ACKLEY TRACE?+
The association fee works out to $19 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 35099 ACKLEY TRACE?+
The most recent tax bill on record (2025) was $7,363. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 35099 ACKLEY TRACE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Zephyrhills?+
At $299,900, this home is listed about 3% below the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 35099 ACKLEY TRACE?+
Chester W. Taylor Junior Elementary School (elementary), Raymond B. Stewart Middle School (middle), Zephyrhills High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MIHARA & ASSOCIATES INC. · Raymond Mihara. MLS #TB8513020.
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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