
35124 DEERFIELD OAKS DRIVE, ZEPHYRHILLS, FL, 33541
Active27 days on marketListed Jul 9, 2026MLS #TB8526421
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
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.
$2,896 /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
$2,896/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
+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
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
$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
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.
Sold · Aug ’25$335,000
34903 MARSH GLEN COURT · same community
3 bd · 2 ba · 1,535 sqft · $218/sqft · 2 DOM
Sold · Apr ’26$425,000
5235 POND VIEW COURT
4 bd · 2 ba · 2,062 sqft · $206/sqft · 3 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 35124 DEERFIELD OAKS DRIVE — start here.

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
Pick a day that works — this 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.
Keep looking
Similar homes nearby
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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