David Ramirez
$380,0004 bd2 ba2,041 sqft$186 /sqft$2,896 /mo all-in ↓

35124 DEERFIELD OAKS DRIVE, ZEPHYRHILLS, FL, 33541

Active27 days on marketListed Jul 9, 2026MLS #TB8526421

Single Family ResidenceLAKE BERNADETTE PARCELS 17 & 18A

About this home

35124 DEERFIELD OAKS DRIVE

Escape to your own slice of Florida paradise at 35124 Deerfield Oaks Drive, a captivating sanctuary in the heart of Zephyrhills' premier golf-course community, Lake Bernadette. This home welcomes you with its pristine stucco facade, manicured landscaping, and a spacious 3-car garage uniquely equipped with a sliding screen enclosure—the ultimate luxury for enjoying a bug-free afternoon cross breeze. Designed with a masterful layout, the home features a spacious four-bedroom, two-bathroom split floor plan that flows effortlessly from the front door. Positioned just off the welcoming foyer is a formal dining room that provides an elegant backdrop for holiday dinners and celebrations, highlighted by high vaulted ceilings and a stylish tiered chandelier. The true social center of the home is the expansive great room, which serves as a spectacular main gathering space. This central living room boasts durable ceramic tile flooring, a central ceiling fan, and architectural plant shelves that add vertical drama and an open, airy ambiance. The great room transitions seamlessly into the kitchen, thoughtfully designed to act as both a functional workspace and a social hub. Home chefs will appreciate the abundance of rich dark espresso cabinetry, beautifully accented by a multi-toned mosaic tile backsplash and solid, expansive countertops. Complete with modern stainless steel appliances—including a French door refrigerator—the kitchen also features an integrated corner pantry for easy storage and a wide breakfast bar that invites guests to pull up a barstool. Tucked right next to the kitchen is a bright breakfast nook, providing a cozy, informal spot for morning meals. When it is time to unwind, the split-bedroom layout provides exceptional privacy across the home's distinct wings. The serene primary suite serves as a tranquil retreat featuring soft coastal blue walls, wide wood-look laminate flooring, and a large window that floods the space with natural light. The spa-like en-suite primary bathroom features a long double-sink vanity with dark cabinetry, an expansive mirror, a dedicated knee-space dressing station, and a deep garden soaking tub situated under a bright window. The remaining three bedrooms are generously sized and split from the primary suite, providing a perfect arrangement for guests, and flexibility. An incredible indoor-outdoor lifestyle is achieved effortlessly at the back of the home, where glass doors lead out to a massive, fully screened patio enclosure, creating a protected outdoor living room ideal for al fresco dining or lounging in the shade. Positioned directly on a peaceful, shimmering pond, this scenic sanctuary features a custom red-mulched landscape bed with a cozy bench station, offering a front-row seat to spectacular waterfront views and local wildlife. Lake Bernadette grants you access to an enviable lifestyle anchored by a premier clubhouse with a fitness center, community room, playground, lighted tennis/pickleball courts, and two swimming pools, including a heated pool. Situated with easy access to State Road 54 and Interstate 75, commuters have a direct route to downtown Tampa and Lakeland. This prime location also puts you just a short drive from Wesley Chapel's premier shopping at the Wiregrass Mall and Tampa Premium Outlets, top-tier medical facilities like AdventHealth Zephyrhills, local schools, parks, and natural springs.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,041

Sqft

0.16 ac

Lot size

3

Garage

2008

Year built

One

Levels

$186

Per sqft

Pets allowed

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationBlock
FacesWest
ExteriorLighting · Sidewalk

Community & fees

HOA fee$45/mo
Taxes (2025)$3,425/yr
PetsYes
CommunityClubhouse · Dog Park · Fitness Center · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesElectricity Available · Electricity 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.

$2,896 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,237
FHA mortgage insurance (est.)$168
Property tax — 2025 actual bill$285
HOA fee — from the listing$45
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,300Loan30-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% · $13,300
Interest rate6.00%
Loan term

Estimated payment

$2,896/mo

Principal & interest$2,237
FHA mortgage insurance (est.)$168
Property taxes (actual bill)$285
HOA / condo fee$45
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 $380K
$326KedgeAI estimate $348,933 · range $340K$361K$395K

vs edgeAI estimate

+8.9%

$/sqft vs Zephyrhills actives

$186 vs $176

Days on market

27 vs 48 typical

Where $186/sqft sits among the 400 Zephyrhills actives

51
71
89
78 · this home
65
46
$108–132$132–155$155–179$179–202$202–226$226+

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

Map of 35124 DEERFIELD OAKS DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa45 min
Tampa Int’l Airport (TPA)56 min

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

ElementaryNew River Elementary School★★★★
MiddleRaymond B. Stewart Middle School★★★★
HighZephyrhills High School★★★★

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

The numbers that matter

The Zephyrhills market

Seller’s marketLeans seller4.1 months of inventoryBuyer’s market

$331K$363K

Zephyrhills median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

207 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 17% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →

Paper trail

This home's history

Jul 9, 2026Listed at $380,000 · 27 days on market since
2008Built · LAKE BERNADETTE PARCELS 17 & 18A

Reality check

What actually sold near 35124 DEERFIELD OAKS DRIVE

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

34903 MARSH GLEN COURTSold · Aug ’25

$335,000

34903 MARSH GLEN COURT · same community

3 bd · 2 ba · 1,535 sqft · $218/sqft · 2 DOM

5235 POND VIEW COURTSold · Apr ’26

$425,000

5235 POND VIEW COURT

4 bd · 2 ba · 2,062 sqft · $206/sqft · 3 DOM

5352 CAMBERLEA AVENUESold · Jul ’26

$430,675

5352 CAMBERLEA AVENUE

4 bd · 3 ba · 2,066 sqft · $208/sqft · 19 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 35124 DEERFIELD OAKS 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 35124 DEERFIELD OAKS 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

35124 DEERFIELD OAKS DRIVE FAQs

What would the monthly payment be for 35124 DEERFIELD OAKS DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,896/mo — principal and interest, the actual property-tax bill, the $45/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 35124 DEERFIELD OAKS DRIVE?+

The association fee works out to $45 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 35124 DEERFIELD OAKS DRIVE?+

The most recent tax bill on record (2025) was $3,425. 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 35124 DEERFIELD OAKS 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 $380,000, this home is listed about 19% above the Zephyrhills median of $319,945. The market section on this page shows how the area is trending.

Which schools are assigned to 35124 DEERFIELD OAKS 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.

Listing courtesy of KELLER WILLIAMS SUBURBAN TAMPA · Tony Baroni. MLS #TB8526421.

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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