$345,000
34485 Cedarfield Drive
Dade City, FL 33523
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
ONE OR MORE PHOTOS ARE VIRTUALLY STAGED. Welcome to your dream home in Whispering Oaks, where comfort meets picturesque scenery. POOL IS SCHEDULED TO BE RESURFACED AND BRAND-NEW ROOF to be installed prior to closing on this beautiful 3-bedroom, 2-bath heated pool home that is move-in ready & showcasing stunning views of both the golf course (8th tee box and the 7th green). Nestled within a peaceful golf community, you’ll be surrounded by majestic oak trees and rolling greens, combining natural serenity with the inviting charm of small-town living. Step inside to find a spacious great room with cathedral ceilings, a stained-glass window and a formal dining room. The kitchen features ample workspace and features a separate eat-in breakfast room overlooking the pool and golf course. Modern touches include beautiful cabinetry, Corian countertops, Corian backsplash, pantry with pull-out drawers and newer stainless-steel appliances. The expansive master bedroom offers direct access to the lanai, a generous walk-in closet, and a luxurious master bath complete with updated cabinets, dual vanities with Corian counters, additional Corian counters with cabinets, a hydro air spa soaking tub, a separate large shower, updated lighting and mirrors. The additional 2nd & 3rd bedrooms are spacious and share the 2nd bathroom. Custom French doors lead to the massive Florida room with custom cabinets, which is versatile enough to serve as an office, family room, or easily convert to a fourth bedroom. An additional screened-in lanai invites you to relax and take in the peaceful views of the pool, garden and golf course. For your convenience, the home includes a dedicated laundry room with washer, dryer and cabinet space. Additional updates include flat roof 2020, AC 2015 (serviced twice a year), electric pool heater 2020, vinyl enclosed lanai 2020, water heater 2017, newer stainless-steel appliances, newer rain bird sprinkler controller, oversized 2 car garage with the garage door mechanics replaced in 2023, and new exterior paint, WIFI alarm system and sprinkler system. The seller also has a Hughes termite prevention plan in place and transferable. With its thoughtful design, recent updates, and serene outdoor living spaces, this home is perfect for those seeking comfort, accessibility, and a close connection to nature. Discover your new sanctuary at Whispering Oaks. The golf course is currently under new management, and plans for reopening are actively underway. Renovations and preparations are being made to ensure an improved experience for future guests. Conveniently located, you’re just minutes from I-75 and SR-50. Nearby the Withlacoochee Trail, one of Florida’s longest paved rail-trails, offers 47 miles of outdoor enjoyment. Nearby attractions include the Croom Motorcycle Area, Giraffe Ranch, and Ridge Manor Park. Head a bit over an hour east to Disney World or west to some of the most beautiful beaches in the world. If you’ve been searching for a quiet, well-kept community where you can enjoy the outdoors and unwind in comfort, this Whispering Oaks gem is the one.
Local Insight
At $155/sqft, you're getting decent value for a three-bedroom with a pool in Dade City, but that AE flood zone designation is a serious consideration—you'll be required to carry flood insurance, which will eat into your monthly costs beyond the already-low $23 HOA fee. The 1985 construction means you should budget for potential roof, plumbing, or HVAC replacements soon, so factor that into your offer; the private pool is a nice feature but also comes with ongoing maintenance costs. For this price point in Pasco County, the real question is whether you're comfortable with the flood risk trade-off, because that's what's likely keeping it competitive rather than a steal.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history45 days on market
- Status: ActiveMar 20, 2026
- Listed$345,000Mar 20, 2026
- Price increased$345,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 45
- Cumulative DOM
- 256
- Subdivision
- Whispering Oaks
- County
- Hernando
- Year built
- 1985
- Living area
- 2,226 sq ft
- Price/sq ft
- $155
- Building area
- 3,191 sq ft (Public Records)
- Lot size
- 10,307 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12053C0243D)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $1,669 (2025)
- Parcel #
- R02-123-21-1317-0000-0580
- Zoning
- PDP
- MLS #
- W7884038
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Carpet, Ceramic Tile, Hardwood, Laminate
- Appliances
- Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Built-in Features, Cathedral Ceiling(s), Ceiling Fans(s), Eat-in Kitchen, Living Room/Dining Room Combo, Open Floorplan, Split Bedroom, Stone Counters, Walk-In Closet(s)
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- South
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $277 / Annually
- Monthly HOA
- $23/mo
- Total monthly fees
- $23/mo
- Total annual fees
- $277
- HOA name
- WHISPERING OAKS ESTATES/PATTY
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- VERIFY ALL LEASE RESTRICTIONS WITH HOA
- Approval process
- VERIFY WITH HOA
Exterior & Construction
- Exterior features
- French Doors, Rain Gutters, Sliding Doors, Sprinkler Metered
- Construction materials
- Stucco, Frame
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Sprinkler Meter
Community
- Pets allowed
- Cats OK, Dogs OK
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | |
| Living Room | First | |
| Primary Bedroom | First |
Listing Details
- Listing date
- 2026-03-20
- On market date
- 2026-03-20
- Original list price
- $345,000
- Occupant type
- Vacant
- MLS area
- 33523 - Dade City/Ridge Manor
- Listing AOR
- West Pasco
- Status changed
- 2026-03-20
- Tax legal description
- WHISPERING OAKS ESTATES PHASE IV LOT 58
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
North on US 301 from Dade City, past SR 50, to left at Whispering Oaks Entrance, then take first right then 1st left to Cedarfield
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of May 4, 2026 at 9:33 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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