34515 CEDARFIELD DRIVE, DADE CITY, FL, 33523
Active142 days on marketListed Mar 5, 2026MLS #TB8478415
About this home
34515 CEDARFIELD DRIVE
Welcome to your peaceful retreat in Whispering Oaks Estates, where comfort, nature, and value come together beautifully. This spacious, move-in-ready home sits on the 8th hole with calming pond views, offering both privacy and a relaxing setting you’ll love coming home to every day. With the golf course currently being renovated and set to reopen in Summer 2026, there’s exciting potential ahead, making now the perfect time to get in before demand grows. Inside, the home feels open, bright, and welcoming from the moment you walk in, with soaring ceilings and comfortable living spaces designed for both everyday living and entertaining. With 3 bedrooms, 2 full baths, and a large bonus room, there’s plenty of flexibility, whether you need a home office, cozy movie room, hobby space, or even a 4th bedroom. The kitchen is light and cheerful, featuring skylights, ample counter space, and a layout that makes cooking and gathering feel effortless. The primary suite offers a peaceful escape with a spacious walk-in closet, soaking tub, separate shower, and natural light pouring in through a skylight. Step out onto the recently tiled lanai and unwind while taking in the serene water and golf course views. The open natural backdrop creates a truly special setting where you can enjoy birds, butterflies, and gentle wildlife, perfect for morning coffee or quiet evenings. You’ll also appreciate the beautifully maintained front and backyard that’s perfect for children and pets to play safely while still enjoying the view. This home has been lovingly cared for and thoughtfully updated, including a new A/C, new garage door opener, hurricane-rated sliding doors, and newer hurricane windows, offering comfort, efficiency, and peace of mind. Tucked away in a quiet neighborhood yet close to everything you need, shopping, dining, medical facilities, and major roads, this location makes everyday living easy. With the golf course transformation underway and the possibility of the HOA being eliminated once new legislation takes effect, this is a wonderful opportunity to get in early before values rise. If you’ve been looking for a home that feels peaceful, spacious, and ready to enjoy, with room to grow, this one truly stands out. Come see it for yourself and feel right at home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,462
Sqft
0.21 ac
Lot size
2
Garage
1987
Year built
One
Levels
$134
Per sqft
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.
$2,707 /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
$2,707/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−43.5%
$/sqft vs Dade City actives
$134 vs $191
Days on market
142 vs 28 typical
Where $134/sqft sits among the 337 Dade City actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Dade City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dade City. See the full Dade City guide →
DADE CITY 33523 — neighborhood snapshot
Population
19,296
Median age
40.6
Median income
$60,897
Median home value
$231,700
Avg household
2.79
Households w/ children
2,208
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dade City market
$343K → $335K
Dade City median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
170 of 337
Dade City actives have cut their price
Median sold price, Dade City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the DADE CITY 33523 median. See the full Dade City market guide →
Paper trail
This home's history
Reality check
What actually sold near 34515 CEDARFIELD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$319,990
6068 BEACHWOOD DRIVE · same community
4 bd · 2 ba · 2,286 sqft · $140/sqft · 100 DOM
Sold · Sep ’25$312,490
6022 SUNDOWN DRIVE · same community
3 bd · 2 ba · 2,044 sqft · $153/sqft · 72 DOM
Sold · Mar ’26$337,000
34448 CEDARFIELD DRIVE · same community
3 bd · 2 ba · 1,939 sqft · $174/sqft · 77 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 34515 CEDARFIELD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 34515 CEDARFIELD 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
34515 CEDARFIELD DRIVE FAQs
What would the monthly payment be for 34515 CEDARFIELD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,707/mo — principal and interest, the actual property-tax bill, the $23/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 34515 CEDARFIELD DRIVE?+
The association fee works out to $23 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 34515 CEDARFIELD DRIVE?+
The most recent tax bill on record (2025) was $5,297. 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 34515 CEDARFIELD 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 Dade City?+
At $329,000, this home is listed about 16% below the Dade City median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 34515 CEDARFIELD DRIVE?+
Rodney B. Cox Elementary School (elementary), Pasco Middle School (middle), Pasco High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$329,000 runs 32% above the DADE CITY 33523 median.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
142 days on market against a Dade City median of 28 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $339,000, now $329,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Tania Borelli. MLS #TB8478415.
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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