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List Price

$374,900

7951 Sail Clover, Zephyrhills, FL 33540

18 days on market

Estimated Payment

$3,293/mo

$0 down with a USDA loan and current market rates

Bedrooms5 bdBathrooms3 baLiving area2,605 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2021

Listed by

Ovy Gonzalez

LPT 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.

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

Seller is offering up to $5,000 toward buyer closing costs or an interest-rate buydown with an acceptable terms. Welcome to 7951 Sail Clover Ln in Abbott Park! This spacious 5-bedroom, 3-bath home offers approximately 2,605 sq. ft. of comfortable living space with a versatile layout designed for today’s lifestyle. Enjoy an open-concept kitchen and living area, generous bedrooms, flexible living spaces, and the benefits of newer construction without the wait. Abbott Park offers desirable community amenities including a pool, playground, dog park, and more. Conveniently located near shopping, dining, schools, and major roadways. A great opportunity to own a spacious, move-in-ready home at an exceptional value!

7951 Sail Clover, Zephyrhills, FL 33540 in Zephyrhills, FL 33540 is listed for $374,900. The home has 5 bedrooms, 3 bathrooms, and 2,605 square feet, and was built in 2021. Listed 18 days ago. The listing is held by LPT REALTY LLC.

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$3,056 (tax year 2025)
HOA fee$89 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 today's published rate.

Illustrative estimate

Loan Program

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

0%

Down payment (0% of price): $0

$

$3,293/moest.

0% down -- about $636 more per month than 20% down conventional.

  • Principal & Interest 77%
  • Property Taxes 8%
  • Insurance 9%
  • HOA 3%
  • USDA Fee 3%
Principal & Interest
$2,527
Property Taxesfrom listing
$255
Insurance
$312
HOA
$89
USDA Annual Fee
$110

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

Included in your loan amount

USDA Guarantee Fee (financed)
$3,749

30-year fixed at 7.03%, as of September 24, 2026

Assumptions

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

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 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 $3,293, 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 $3,056 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 Sep 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR804404280. HomeJam is not the listing broker.

List Price

$374,900

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