5059 BERNADETTE DRIVE, ZEPHYRHILLS, FL, 33541
Active132 days on marketListed Mar 24, 2026MLS #TB8489626
About this home
5059 BERNADETTE DRIVE
Situated on an oversized .53-acre lot in Lake Bernadette, this 4-bedroom, 2-bath home offers over 2,200 square feet of living space and incredible potential. Featuring a desirable split-bedroom floor plan, the home includes a spacious kitchen with an abundance of cabinetry, perfect for storage and functionality. Step outside to your own private retreat with a beautiful screened pool and spa surrounded by brick pavers, ideal for relaxing or entertaining. While the home does need some updates, it presents a fantastic opportunity to customize and create your dream space. With solid bones, generous square footage, and a prime lot, additional features include: Hot water heater 2 years old, A/C 2 years old, and a newer pool pump. This property is full of possibilities
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,207
Sqft
0.53 ac
Lot size
2
Garage
1980
Year built
One
Levels
$165
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.
$2,675 /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
$2,675/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
−12%
$/sqft vs Zephyrhills actives
$165 vs $170
Days on market
132 vs 44 typical
Where $165/sqft sits among the 400 Zephyrhills 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 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
$310K → $350K
Zephyrhills median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
204 of 400
Zephyrhills actives have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 5059 BERNADETTE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$325,000
35148 DOLPHIN LAKE DRIVE · same community
3 bd · 2 ba · 1,824 sqft · $178/sqft · 41 DOM
Sold · Jan ’26$450,000
35019 DOLPHIN LAKE DRIVE · same community
4 bd · 3 ba · 2,657 sqft · $169/sqft · 7 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 5059 BERNADETTE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5059 BERNADETTE 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
5059 BERNADETTE DRIVE FAQs
What would the monthly payment be for 5059 BERNADETTE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,675/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 5059 BERNADETTE 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 5059 BERNADETTE DRIVE?+
The most recent tax bill on record (2025) was $2,416. 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 5059 BERNADETTE 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 $365,000, this home is listed about 18% above the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5059 BERNADETTE 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
Four things that matter here
01Positioned at the premium end
$365,000 runs 12% above the ZEPHYRHILLS 33541 median — but at 2,207 sqft it's also 38% larger than the typical Zephyrhills listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
132 days on market against a Zephyrhills median of 44 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $435,000, now $365,000 — a $70K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Christie Reed. MLS #TB8489626.
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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