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List Price

$179,900

37640 Aaralyn, Zephyrhills, FL 33542

37 days on market

Estimated Payment

$1,877/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms3 baLiving area1,363 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2010

Listed by

Stephanie Rotunda

HEART OF FLORIDA REALTY LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

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  • Bring your agent
  • Close in one place

LOCATION, PRIVACY & CONVENIENCE! Welcome home to this desirable rear, end-unit townhome in Zephyrhills, offering 3 bedrooms, 2.5 bathrooms and a comfortable floor plan designed for everyday living and entertaining. Step inside to an inviting open living and dining area, perfect for gathering with family and friends. The kitchen features a convenient pass-through breakfast bar, keeping the cook connected to the conversation. A half bath downstairs adds extra convenience for guests. Upstairs, you’ll find three bedrooms and two full bathrooms, along with a full laundry area upstairs—no carrying laundry up and down the stairs! One of the best features is the private rear patio with no neighbors directly behind you, creating a peaceful little retreat for morning coffee, evening relaxation, or even your own container garden. Rumor has it, this patio grows a pretty perfect tomato!

37640 Aaralyn, Zephyrhills, FL 33542 in Zephyrhills, FL 33542 is listed for $179,900. The home has 3 bedrooms, 3 bathrooms, and 1,363 square feet, and was built in 2010. Listed 37 days ago. The listing is held by HEART OF FLORIDA REALTY LLC.

33542 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$1,918 (tax year 2025)
HOA fee$285 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$1,877/moest.

0% down -- about $309 more per month than 20% down conventional.

  • Principal & Interest 65%
  • Property Taxes 9%
  • Insurance 8%
  • HOA 15%
  • USDA Fee 3%
Principal & Interest
$1,229
Property Taxesfrom listing
$160
Insurance
$150
HOA
$285
USDA Annual Fee
$53

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$1,799

30-year fixed at 7.164%, as of November 10, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $1,877, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $1,918 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR813493537. HomeJam is not the listing broker.

List Price

$179,900

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