34507 SMART DRIVE, ZEPHYRHILLS, FL, 33541
Active62 days on marketListed May 31, 2026MLS #W7886217
About this home
34507 SMART DRIVE
Welcome home to this beautiful 4 bedroom, 2 bath, 2 car garage! Located in the popular golf course community of Lake Bernadette. NEW roof prior to closing! Buyer can choose shingle color! (2026)! NEW a/c (2026)! NEWER electric hot water tank (2024)! The 2567 total sq ft floorplan comes with a private formal living room that can be used for an office or a bonus room. The kitchen and family room are separate, flowing nicely together with a large breakfast bar and stainless-steel appliances. The primary bedroom has an updated ensuite with a new shower, garden tub and walk-in closet. All bedrooms are spacious! Inside laundry room! Home has neutral tile flooring throughout and fresh paint. Nice private back yard with white vinyl fencing. This golf course community has a clubhouse, TWO POOLS, playground, tennis courts and so much more! LOW HOA fees of $159.00 per quarter and CDD fees of $876.00 per year. Located just 30 minutes from Tampa International Airport, nearby premium shopping and dining. Amenities galore!! This home has everything you need for a growing family. Not too many 4 bedrooms in this price range. Schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,092
Sqft
0.13 ac
Lot size
2
Garage
2003
Year built
One
Levels
$191
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.
$2,967 /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
$2,967/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
+4.7%
$/sqft vs Zephyrhills actives
$191 vs $170
Days on market
62 vs 44 typical
Where $191/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 23% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 34507 SMART DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$465,000
5438 BRADDOCK DRIVE · same community
4 bd · 2 ba · 2,271 sqft · $205/sqft · 17 DOM
Sold · Mar ’26$305,000
34501 SMART DRIVE · same community
3 bd · 2 ba · 1,814 sqft · $168/sqft · 3 DOM
Sold · May ’26$350,000
5246 BRADDOCK DRIVE
4 bd · 2 ba · 2,089 sqft · $168/sqft · 10 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 34507 SMART DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 34507 SMART 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
34507 SMART DRIVE FAQs
What would the monthly payment be for 34507 SMART DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,967/mo — principal and interest, the actual property-tax bill, the $53/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 34507 SMART DRIVE?+
The association fee works out to $53 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 34507 SMART DRIVE?+
The most recent tax bill on record (2025) was $2,672. 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 34507 SMART DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $399,900, this home is listed about 29% above the Zephyrhills median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 34507 SMART 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 SIRROM REALTY LLC · Michelle Morgan-Harsin. MLS #W7886217.
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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