6634 NORTHLAKE DRIVE, ZEPHYRHILLS, FL, 33542
Active70 days on marketListed May 30, 2026MLS #TB8512005
About this home
6634 NORTHLAKE DRIVE
Welcome to Silver Oaks, where mature oak-lined streets and beautifully maintained custom homes create an exceptional place to call home! No CDD fees and low HOA fees make this an affordable option! This stunning custom-built brick-and-stucco residence showcases true pride of ownership and offers nearly 2,000 square feet of thoughtfully designed living space, complemented by a private, professionally landscaped backyard perfect for relaxing or entertaining guests. Screened front entry and double-door entrance welcome you into a spacious tiled foyer that opens to a bright and inviting great room floor plan. Architectural details throughout the home include soaring vaulted ceilings, decorative columns, custom paint finishes, and beautiful laminate wood flooring. The versatile formal dining room, accented with columns, chair rail molding and a Palladian window, can easily serve as a home office, den, or flex space to fit your lifestyle. The enclosed Florida Room with glass sliding windows provides additional year-round living space while offering peaceful views of the lush backyard. The heart of the home is the expansive kitchen, designed with both functionality and entertaining in mind. You'll love the granite countertops, solid wood cabinets painted white, granite top center island, built-in desk area, French-door refrigerator and sunny breakfast nook nestled within a charming bay window. Whether hosting family gatherings or enjoying quiet mornings at home, this space is sure to impress! Additional features include attractive concrete landscape curbing, updated shutters, a water purification system, and a unique golf cart garage with adjoining workshop space for hobbies, storage, or extra space for bikes or beach equipment. Conveniently located less than a mile from the YMCA, hospital, medical offices, shopping, movie theater, bowling and dining establishments, with easy access to major highways for easy commute to Tampa, Wesley Chapel, Lakeland, Ocala, International airports and the world famous beaches! This home combines peaceful neighborhood living with everyday convenience. Best of all, the property qualifies for 100% USDA financing for eligible buyers. Don't miss this opportunity to own a beautifully maintained BRICK home in this established Silver Oaks community. CALL TODAY to schedule your private showing and see why this IS the place to BE!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,948
Sqft
0.24 ac
Lot size
2
Garage
1995
Year built
One
Levels
$180
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.
$2,656 /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
$2,656/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
−4.8%
$/sqft vs Zephyrhills actives
$180 vs $176
Days on market
70 vs 48 typical
Where $180/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 Silver Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Silver Oaks — neighborhood snapshot
Population
1,158
Median age
39
Median income
$68,546
Median home value
$282,000
Avg household
3
Households w/ children
138
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)
189 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 100% above the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 6634 NORTHLAKE 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$434,790
Nearby listing · same community
3 bd · 2.5 ba · 2,081 sqft · $209/sqft · 111 DOM
Sold · Jul ’26$399,000
6132 SILVER OAKS DRIVE · same community
3 bd · 2 ba · 1,680 sqft · $238/sqft · 45 DOM
Sold · Jan ’26$295,000
6943 STEPHENS PATH · same community
3 bd · 2 ba · 1,623 sqft · $182/sqft · 129 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 6634 NORTHLAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6634 NORTHLAKE 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
6634 NORTHLAKE DRIVE FAQs
What would the monthly payment be for 6634 NORTHLAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,656/mo — principal and interest, the actual property-tax bill, the $70/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 6634 NORTHLAKE DRIVE?+
The association fee works out to $70 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6634 NORTHLAKE DRIVE?+
The most recent tax bill on record (2025) was $2,532. 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 6634 NORTHLAKE 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 $350,000, this home is listed about 8% above the Zephyrhills median of $324,495. The market section on this page shows how the area is trending.
Which schools are assigned to 6634 NORTHLAKE DRIVE?+
West Zephyrhills Elementary School (elementary), Zephyrhills High School (high), Raymond B. Stewart Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REST EASY REALTY POWERED BY SELLSTATE · Gina Marie Holm. MLS #TB8512005.
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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