36416 CORDOVA CIRCLE YOU OWN THE LAND!! FULLY FURNISHED and pet-friendly with a LOW HOA in the active 55+ community of Oaks Royal I & II in Zephyrhills. Freshly Painted inside and out! This well-maintained 2-bedroom, 1-bath home offers a bright, open floor plan with durable vinyl flooring throughout—designed for easy, low-maintenance living. OWNER FINANCING available with 20% down, creating a rare opportunity for buyers seeking flexible terms. The kitchen has been fully updated with Brand New cabinetry, countertops, and fixtures, along with ample prep space and appliances—ideal for both everyday living and entertaining. The living area flows seamlessly from the kitchen, creating a comfortable and functional layout. Enjoy Florida living with a large screened-in lanai, plus an attached storage room with plenty of shelving for tools, hobbies, or extra storage. Located in a pet-friendly, active 55+ community, residents enjoy access to a heated pool, clubhouse with regular social activities, and shuffleboard courts. Conveniently situated near shopping, dining, parks, and hospitals, with easy access to Wesley Chapel and Tampa. Whether you're looking for a low-cost primary residence, seasonal getaway, or investment opportunity, this property offers flexibility and value. Seller is motivated and open to reasonable offers.