Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

List Price

$799,000

5746 Frontier, Zephyrhills, FL 33540

44 days on market

Estimated Payment

$6,986/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms2 baLiving area2,052 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2023

Listed by

Sherri Freeze

BINGHAM REALTY INC

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.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

5 ACRES OVER 2000 SQ FT OF LIVING SPACE POOL HOME! If you’ve been looking for a home that gives you space, privacy, room for your hobbies, AND a beautiful place to live, you’re going to want to see this one! Situated on two parcels totaling approximately 5 acres, this beautifully maintained block home offers 3 bedrooms, 2 bathrooms, a dedicated office, inside laundry room, 2-car garage, inground pool, and an incredible 41x40 metal shop. From the moment you arrive, this home feels welcoming. The charming front porch sitting area, surrounded by nicely maintained landscaping and flowers, is the perfect spot for morning coffee or winding down at the end of the day. Step through the front door into the foyer and you’ll immediately appreciate the bright, open layout. Ceramic tile flooring flows through the main living areas, connecting the spacious living room and kitchen. The kitchen is a showstopper with gorgeous cabinetry, quartz countertops, a farmhouse sink, breakfast bar, and plenty of workspace and storage. Just off the kitchen is the dining room, making entertaining easy. And then there’s the view! the living room overlooks the screened lanai and inground pool, creating a wonderful indoor-outdoor feel. Whether you’re hosting friends, enjoying a quiet Florida afternoon, or taking a dip after a long day, this backyard was made to be enjoyed. The primary suite is tucked away on its own side of the home and includes private access to the pool patio. The bedroom offers plenty of space, while the impressive walk-in closet features shelving and abundant storage. The primary bathroom completes the suite with dual sinks and a large walk-in shower. The split-bedroom floor plan places the additional bedrooms and second bathroom on the opposite side of the home, providing privacy for everyone. Work from home? You have a REAL office here! No sacrificing a bedroom or setting up your laptop at the kitchen table. The dedicated office gives you a comfortable space to work, study, or manage your household.

5746 Frontier, Zephyrhills, FL 33540 in Zephyrhills, FL 33540 is listed for $799,000. The home has 3 bedrooms, 2 bathrooms, and 2,052 square feet, and was built in 2023. Listed 44 days ago. The listing is held by BINGHAM REALTY INC.

33540 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$7,520 (tax year 2025)

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

$

$6,986/moest.

0% down -- about $1,370 more per month than 20% down conventional.

  • Principal & Interest 78%
  • Property Taxes 9%
  • Insurance 10%
  • USDA Fee 3%
Principal & Interest
$5,458
Property Taxesfrom listing
$627
Insurance
$666
USDA Annual Fee
$235

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

Included in your loan amount

USDA Guarantee Fee (financed)
$7,990

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 $6,986, 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 $7,520 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# MFR812933176. HomeJam is not the listing broker.

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