34485 Cedarfield Drive, FL
Stellar MLS

$345,000

34485 Cedarfield Drive

Dade City, FL 33523

Active
3
Beds
2
Baths
2,226
Sq Ft
0.24
Acres
1985
Built
Private pool$155/sqft
Single Family Residence

Property type

1985

Year built

10,307 sqft

Lot size

$155

Price / sq ft

$23/mo

HOA dues

45

Days on market

2

Garage spaces

AE

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

Principal & interest$1,745
Property taxes$139
Home insurance (est.)$158
HOA dues$23

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

  1. Status: Active
    Mar 20, 2026
  2. Listed$345,000
    Mar 20, 2026
  3. 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

ElementaryEastside Elementary SchoolGreatSchools ↗
MiddleD.S. Parrot MiddleGreatSchools ↗
High SchoolHernando HighGreatSchools ↗

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

RoomLevelDimensions
KitchenFirst
Living RoomFirst
Primary BedroomFirst

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

High riskFEMA Zone AEPanel 12053C0243D

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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MLS GRID

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.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA