Two Rivers new construction homes in Zephyrhills, FL

Two Rivers community photo 2, Zephyrhills, FL

Two Rivers community photo 3, Zephyrhills, FL

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Two Rivers by Lennar, Pulte Homes, Homes by WestBay, Meritage Homes, D.R. Horton, M/I Homes, Taylor Morrison, Park Square Homes, William Ryan Homes & Casa Fresca Homes – New Construction Homes in Zephyrhills, FL

🏌️ Golf Cart Friendly

Zone X - Low Flood Risk

Resort-Style AmenitiesLuxuryFamily-Friendly

Zephyrhills, FL

Cost Report

Price Range

$340K to $1M

Square Footage

1,534 to 5,452 sq ft

Est. Monthly Fees

$508/mo

Two Rivers is a 6,000-acre masterplan in Zephyrhills, Florida, with 13 villages and 10 builders — single-family homes from the mid-$300s to over $1 million, 1,534 to 5,452 square feet. The villages split into three areas: Two Rivers West (Delyle, Fairwood, Hammock, Holter, Ryals Field, Shortgrass, Tamarack), Two Rivers East (Archer, Ackley, Creekwood, Fieldcrest), and Two Rivers North (Northwater, Childers — sold out), plus the future Flatwoods golf and country club village on the Hillsborough side. The western villages share The Landing, a private social club opening late 2026 or early 2027 ($800 at closing plus 7% tax, $600 a year membership, $250 a month dues); the eastern villages share The Nest, open now with no separate club fee. There is no single HOA or CDD for Two Rivers — HOAs run $70 a month to $386 a month by village, and CDDs run $2,657.56 to $4,601.64 a year by lot width and district. Zoned schools are Taylor Elementary, Stewart Middle, and Zephyrhills High. There's no single HOA or CDD for Two Rivers — fees vary by village — so check the individual village pages on Vicinity for the details on each one.

Quick answer

Two Rivers is a new construction community in Zephyrhills, FL, with homes priced $340K to $1M, HOA $425/qtr, CDD/MUD $4,400/yr, flood Zone X (low risk).

Price range: $340K to $1M
Home sizes: 1,534 to 5,452 sq ft
HOA: $425/qtr
CDD / MUD: $4,400/yr
Flood zone: Zone X (low risk)
Builders: Lennar, Pulte Homes, Homes by WestBay, Meritage Homes

Listing updated November 5, 2026. Confirm fees and availability with the builder or community before buying.

First Time Buyers

Luxury Buyers

Growing Families

Before you visit the sales center: Most builders require your agent to be registered at your first visit. If you go alone, you can lose free representation for that home. Bring a CNCS agent at no cost to you.

Tour Two Rivers with a new construction specialist

Free for buyers. The builder pays your agent's commission.

True Monthly Cost

True monthly cost. Verified amounts are marked; anything unconfirmed is flagged.

HOA Fee

$425

quarterly

Last verified November 5, 2026

CDD / Stewardship

$4,400

Annually

Last verified November 5, 2026

Est. Monthly Total

$508

$142 HOA + $367 CDD per month

Special Assessments

The community has both a Homeowners Association (HOA) fee and a Community Development District (CDD) fee. Each village will vary depending upon the amenities withing that village. HOA fees, which cover common area maintenance, grounds upkeep, and neighborhood management. The CDD fee is an annual assessment paid with your property taxes, which funds the construction and maintenance of major amenities like the pools and clubhouses. Fees are split into two parts: the HOA fee and the annual CDD fee, which is often paid with property taxes. HOA fees vary greatly by neighborhood/product type.

* Fees shown are the latest amounts supplied for this listing, not a final quote. Confirm the current HOA, district assessments and billing periods with the community before buying.

Learn more: CDD, MUD & PID fees explained · CDD vs HOA · No-CDD communities in Tampa Bay · Lot premiums

🏖️ Coastal & Vacation Details

Flood Zone

Zone X - Low Risk

Last verified November 5, 2026

No lender flood insurance requirement

Look up any address →Flood zone X communities in Tampa Bay →

Water Access

🏖️ Beach: About 31–34 miles to Green Key Beach, New Port Richey

🚤 Boat Ramp: About 32–34 miles to Anclote River Park, Holiday.

⚓ Marina: About 32–34 miles to Anclote Harbours Marina, Holiday.

Primary Use Case

Full-Time Living

Transportation

🏌️ Golf Cart Friendly Community

Exterior Materials

Stucco

Neighborhood Details

Two Rivers — New homes in Zephyrhills, FL offering resort-style amenity living just north of Tampa, blending peaceful, nature-forward surroundings with easy access to Wesley Chapel dining, shopping and major highways. This family-focused master‑planned community centers on active outdoor living with over 10 miles of trails, lagoon and resort-style pools with cabanas and lap lanes, a racquet complex (pickleball/tennis), clubhouses and event lawns, playgrounds and pocket parks, dog parks, and The Landing Social Club (exclusive to certain villages) with wellness, dining and member events. Homes range from low‑maintenance villas to large estate single‑family houses, with pricing from the mid‑$300s into the seven‑figures depending on village and home size; builders often offer quick‑move options and preferred‑lender incentives. Two Rivers is about 35–45 minutes to Downtown Tampa, ~20–25 minutes to major retail like The Shops at Wiregrass, and is zoned for Chester W. Taylor Elementary, Raymond B. Stewart Middle, and Zephyrhills High. Villages: Shortgrass at Two Rivers (single-family, access to The Landing) Tamarack at Two Rivers (gated, single- and two-story homes) Northwater at Two Rivers (community hub: The Nest) Archer Fieldcrest Ackley Creekwood Ryals Field Fairwood Delyle Hammock See our blog in the lifestyle's available at Two Rivers or request our full Guide to Two Rivers.

The Vibe

Two Rivers is a masterplan still becoming itself, and you feel it village by village. In the west, the Landing villages are selling around a private club that isn't open yet — the promise is the draw, and the wait is part of the deal. In the east, The Nest is already open, and the villages feel further along: pools, pickleball, and neighbors who moved in last year. In the north, Northwater has its own clubhouse and pool and a K-8 school coming next door. Some streets are finished and lived-in; others are still dirt and framing. The through-line is scale — 6,000 acres, 13 villages, 10 builders — and the choice that matters most isn't the builder, it's the village, because the village decides your fees, your club, and your lot.

Construction Update

10 builders actively selling across 10 villages; Holter coming soon; Flatwoods future; The Landing opening late 2026/early 2027; The Nest open now.

Pros & Cons

An honest look at this neighborhood

Pros

Village and builder variety — 13 villages, 10 builders, homes from the mid-$300s to over $1M — so there's a price point and a product for almost any buyer.
Two amenity systems — The Landing (west, private social club) and The Nest (east, open now) — plus 10+ miles of trails across 6,000 acres.
A future golf and country club village (Flatwoods) and a planned K-8 school — the masterplan keeps adding reasons to stay.

Cons

•Major Construction for next two years.
•Traffic at SR56 and 301 during 6 am - 8 am and 5 pm -7 pm is congested

Things to Consider

Important factors to be aware of before making a decision

High Traffic / Commute Delays
Ongoing Construction Noise
Limited Public Transit
The masterplan-wide HOA ($425/qtr) and CDD ($4,400/yr) are false single numbers. HOA varies by village; CDD varies by lot width and district

More Photos

Community Amenities

Over 10 miles of walking & biking trails
The Landing (lagoon/resort pools, social club, racquet complex, clubhouses/event lawns, playgrounds/pocket parks, dog parks, wellness/fitness at select villages) — NOT open yet;
The Nest (East villages, open now)
Northwater's own amenities (trails, firepits, pool, picnic areas, clubhouse, bike parking)

Frequently Asked Questions

What are the schools zoned for this neighborhood?

Residents are zoned for Chester W. Taylor Elementary School, Raymond B. Stewart Middle School, and Zephyrhills High School.

Who provides internet/cable?

Spectrum

What is the typical move-in timeline for a new home?

Many builders offer "Quick Move-In" homes that are ready in 60 days or less, or you can select a to-be-built home, which generally takes 6–9 months, depending on the stage of construction.

Are there HOA and CDD fees, and what do they cover?

Yes, Two Rivers has both HOA and CDD fees. HOA fees vary by village and cover community maintenance and certain amenities, while the annual CDD fee (Community Development District) pays for the main infrastructure and large-scale amenities.

What is the current new home price range in Two Rivers?

New homes in Two Rivers typically start in the mid-$300s for smaller homes and extend up to over $1 million for large estate-style homes in premium villages.

What makes Two Rivers different from other Tampa Bay masterplans?

Scale and structure — 6,000 acres, 13 villages, 10 builders, homes from the mid-$300s to over $1M, two amenity systems (The Landing west, The Nest east), 10+ miles of trails, and a future golf and country club village (Flatwoods). Buyers choose a village first, then a builder — the fees, the club, and the lot sizes all follow the village.

Is Two Rivers a good choice if you work in Tampa?

It can be — Tampa International is about 48–52 miles, roughly 55–70 minutes off-peak via the Suncoast Parkway or I-75, and downtown Tampa is about 35–45 minutes — but SR-56 and US-301 are congested 6–8 AM and 5–7 PM, so test the drive at rush hour. Wesley Chapel (15 minutes) covers most everyday shopping and dining.