David Ramirez
Pending
$335,0003 bd2 ba1,749 sqft$192 /sqft$2,563 /mo all-in ↓

6536 NORTHLAKE DRIVE, ZEPHYRHILLS, FL, 33542

Pending59 days on marketListed Jun 5, 2026MLS #TB8516059

Single Family ResidenceSILVER OAKS

About this home

6536 NORTHLAKE DRIVE

Virtually Staged. $10,000 seller credit towards Upgrades PLUS $3,000 towards buyers closing costs! MOTIVATED SELLERS for this well loved, one owner, CUSTOM built home in the SILVER OAKS community of Zephyrhills! This East Pasco community is close to everything, yet is nestled in where tree-lined streets, picturesque ponds and custom homes enhance the neighborhood! Stunning Palladian window, elegant leaded-glass entry door and oversized lot enhance the curb appeal. Located on a spacious .22-acre homesite, this Nickerson home offers the ideal combination of casual elegance, quality and energy efficiency. Once inside this light, bright and inviting home, notice the great room featuring rich hardwood floors with an open flow into the dining area and kitchen, creating a warm and welcoming atmosphere for everyday living and entertaining. Designed with efficiency and durability in mind, this meticulously maintained home boasts concrete block and stucco construction, insulated windows, radiant roof decking heat shielding, poured concrete walls, and even insulated interior walls—helping keep utility costs low while maintaining year-round comfort. The thoughtfully designed split-bedroom floor plan includes three spacious bedrooms and two full baths. The primary suite serves as a private retreat with a huge walk-in closet and a luxurious ensuite bath featuring a separate shower and relaxing garden soaking tub. The generously sized secondary bedroom offers charming corner windows, while the third bedroom provides direct access to the expansive covered and screened lanai—perfect for enjoying morning coffee, hosting gatherings, or simply relaxing while overlooking the lush side yard. Additional highlights include an indoor utility closet with Whirlpool washer and dryer, an oversized garage with a side-entry door, pull-down attic access, and approximately 200 square feet of extra storage space. The irrigation system is separately metered, helping maintain a green lawn while keeping water costs in check. Living in Silver Oaks means enjoying miles of scenic sidewalks beneath majestic oak trees, ideal for walking, biking, or golf cart rides with neighbors. Residents appreciate low quarterly HOA fees, no CDD fees, and the convenience of a gated rear entrance. Located just minutes from the YMCA, the SVB pickleball, tennis, and fitness center, with several golf courses within a five-mile radius, this exceptional location also offers easy access to Tampa, Wesley Chapel, Lakeland, Ocala, Orlando, major airports, and Florida's beautiful Gulf Coast beaches. If you've been searching for a well maintained, energy-efficient Florida home in an established community with outstanding location for convenience, this Silver Oaks gem is one you won't want to miss. CALL TODAY!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,749

Sqft

0.21 ac

Lot size

2

Garage

2001

Year built

One

Levels

$192

Per sqft

Golf Course viewPets allowed

Inside

FlooringCarpet · Laminate · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Solid Surface Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · ICFs (Insulated Concrete Forms) · Stucco
FoundationSlab
ViewGolf Course
FacesWest
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Lighting · Rain Gutters · Sidewalk

Community & fees

HOA fee$70/mo
Taxes (2025)$2,557/yr
PetsYes
CommunityDeed Restrictions · Sidewalks

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

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.

$2,563 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,972
FHA mortgage insurance (est.)$148
Property tax — 2025 actual bill$213
HOA fee — from the listing$70
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,725Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,725
Interest rate6.00%
Loan term

Estimated payment

$2,563/mo

Principal & interest$1,972
FHA mortgage insurance (est.)$148
Property taxes (actual bill)$213
HOA / condo fee$70
Est. insurance$160

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.

List $335K
$295KedgeAI estimate $352,788 · range $307K$501K$521K

vs edgeAI estimate

−5%

$/sqft vs Zephyrhills actives

$192 vs $170

Days on market

59 vs 47 typical

Where $192/sqft sits among the 400 Zephyrhills actives

50
75
90
77 · this home
63
45
$106–130$130–153$153–177$177–201$201–225$225+

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

Map of 6536 NORTHLAKE DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa48 min
Tampa Int’l Airport (TPA)59 min
Walt Disney World75 min

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

ElementaryWest Zephyrhills Elementary School★★★★★
HighZephyrhills High School★★★★
MiddleRaymond B. Stewart Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Zephyrhills market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s market

$331K$363K

Zephyrhills median sold, yr/yr

97.3%

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 91% above the ZEPHYRHILLS 33542 median. See the full Zephyrhills market guide →

Paper trail

This home's history

Jun 5, 2026Listed at $335,000 · 59 days on market since
2001Built · SILVER OAKS

Reality check

What actually sold near 6536 NORTHLAKE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6132 SILVER OAKS DRIVESold · Jul ’26

$399,000

6132 SILVER OAKS DRIVE · same community

3 bd · 2 ba · 1,680 sqft · $238/sqft · 45 DOM

6943 STEPHENS PATHSold · Jan ’26

$295,000

6943 STEPHENS PATH · same community

3 bd · 2 ba · 1,623 sqft · $182/sqft · 129 DOM

Nearby listingSold · May ’26

$382,490

Nearby listing · same community

3 bd · 2 ba · 1,590 sqft · $241/sqft · 174 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6536 NORTHLAKE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6536 NORTHLAKE DRIVE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

6536 NORTHLAKE DRIVE FAQs

What would the monthly payment be for 6536 NORTHLAKE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,563/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 6536 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 6536 NORTHLAKE DRIVE?+

The most recent tax bill on record (2025) was $2,557. 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 6536 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 $335,000, this home is listed about 5% above the Zephyrhills median of $319,900. The market section on this page shows how the area is trending.

Which schools are assigned to 6536 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.

Listing courtesy of REST EASY REALTY POWERED BY SELLSTATE · Gina Marie Holm. MLS #TB8516059.

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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