5728 ELAINE DRIVE, ZEPHYRHILLS, FL, 33541
Active163 days on marketListed Feb 25, 2026MLS #OM719591
About this home
5728 ELAINE DRIVE
Prime opportunity to build your dream home on this spacious 0.55-acre vacant lot in the desirable Lake Bernadette Gardens community of Zephyrhills! This generous parcel features 150' × 150' dimensions and is located on a paved street in a peaceful, well-established neighborhood. With electricity available at the street and public roads already in place, this property offers convenient access while still providing a peaceful, suburban feel. Septic is required, giving you flexibility in home design and placement. Enjoy the best of Florida living just minutes from parks, shopping, dining, and major commuter routes — all while being only about 25 miles from Tampa’s vibrant city life. Bring your builder and imagination to create the perfect custom residence in a community with no CDD. Don’t miss this rare chance to secure a piece of land ready for your vision!
Facts & features
The home at a glance
0.55 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$772 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$772/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Lake Bernadette
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Lake Bernadette — neighborhood snapshot
Population
3,799
Median age
47
Median income
$90,107
Median home value
$306,868
Avg household
3
Households w/ children
437
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Zephyrhills market
$331K → $340K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 74% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 5728 ELAINE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$269,000
5444 BERNADETTE DRIVE · same community
2 bd · 2 ba · 1,454 sqft · $185/sqft · 36 DOM
Sold · Oct ’25$350,000
5749 SOUTHERNVIEW DRIVE · same community
3 bd · 2 ba · 1,550 sqft · $226/sqft · 86 DOM
Sold · Feb ’26$379,900
35328 LAKE EDWARD DRIVE · same community
3 bd · 2 ba · 1,743 sqft · $218/sqft · 130 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5728 ELAINE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5728 ELAINE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
5728 ELAINE DRIVE FAQs
What would the monthly payment be for 5728 ELAINE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $772/mo — principal and interest, the actual property-tax bill, the $4/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 5728 ELAINE DRIVE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5728 ELAINE DRIVE?+
The most recent tax bill on record (2025) was $846. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 5728 ELAINE DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Zephyrhills?+
At $84,900, this home is listed about 74% below the Zephyrhills median of $324,990. The market section on this page shows how the area is trending.
Which schools are assigned to 5728 ELAINE DRIVE?+
New River Elementary School (elementary), Raymond B. Stewart Middle School (middle), Zephyrhills High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ZEPHYRHILLS 33541 market on paper
$84,900 is 74% below the ZEPHYRHILLS 33541 median of $329,250.
02Time on market is leverage
163 days on market against a Zephyrhills median of 48 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $109,900, now $84,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CITRUS REALTY, LLC · Donna Dorsey. MLS #OM719591.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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