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34515 Cedarfield Dr, Dade City, FL, 33523

$134/sqft·Whispering Oaks Estates

3 bd2 ba2,462 sqft2 car garageSingle Family
Listed by COLDWELL BANKER REALTY· Last updated · MLS# TB8478415

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Est. monthly payment
$2,345/mo
Down payment (20%)
$65,800
Property taxes
$441/mo
HOA
$277/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1987
2 car garage
8,931 sqft lot
Lot size
2,462 sqft
Living area

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanGarden

34515 Cedarfield Dr is a 1987-built home in Whispering Oaks Estates, Dade City. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,462 square feet of living space. Listed at $329,000 (about $134/sqft), 165 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $277 annually.

From the listing

Welcome to your peaceful retreat in Whispering Oaks Estates, where comfort, nature, and value come together beautifully. This spacious, move-in-ready home sits on the 8th hole with calming pond views, offering both privacy and a relaxing setting you’ll love coming home to every day. With the golf course currently being renovated and set to reopen in Summer 2026, there’s exciting potential ahead, making now the perfect time to get in before demand grows. Inside, the home feels open, bright, and welcoming from the moment you walk in, with soaring ceilings and comfortable living spaces designed for both everyday living and entertaining. With 3 bedrooms, 2 full baths, and a large bonus room, there’s plenty of flexibility, whether you need a home office, cozy movie room, hobby space, or even a 4th bedroom. The kitchen is light and cheerful, featuring skylights, ample counter space, and a layout that makes cooking and gathering feel effortless. The primary suite offers a peaceful escape with a spacious walk-in closet, soaking tub, separate shower, and natural light pouring in through a skylight. Step out onto the recently tiled lanai and unwind while taking in the serene water and golf course views. The open natural backdrop creates a truly special setting where you can enjoy birds, butterflies, and gentle wildlife, perfect for morning coffee or quiet evenings. You’ll also appreciate the beautifully maintained front and backyard that’s perfect for children and pets to play safely while still enjoying the view. This home has been lovingly cared for and thoughtfully updated, including a new A/C, new garage door opener, hurricane-rated sliding doors, and newer hurricane windows, offering comfort, efficiency, and peace of mind. Tucked away in a quiet neighborhood yet close to everything you need, shopping, dining, medical facilities, and major roads, this location makes everyday living easy. With the golf course transformation underway and the possibility of the HOA being eliminated once new legislation takes effect, this is a wonderful opportunity to get in early before values rise. If you’ve been looking for a home that feels peaceful, spacious, and ready to enjoy, with room to grow, this one truly stands out. Come see it for yourself and feel right at home!

The essentials

Built
1987
Price / sqft
$134
On market
190 days
Annual tax
$5,297
HOA
$277/yr
Flood zone
AE
Lot
8,931 sqft
Type
Single Family Residence

Location

34515 Cedarfield Dr
Dade City, FL, 33523·33523 - Dade City/Ridge Manor
Type
Single Family Residence
Year Built
1987
Lot
8,931 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
190
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Garden
Lighting
Sliding Doors
Association Recreation - Owned
Deed Restrictions
Golf Carts OK
Golf
Dishwasher
Disposal
Dryer
Range
Refrigerator
Washer

Elementary

Eastside Elementary School

Middle

D.S. Parrot Middle

High

Hernando High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileFlood Zone AE

Annual Tax (2025)

$5,297

Parcel #

R02-123-21-1317-0000-0660

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Whispering Oaks Estates

County

Hernando

MLS Area

33523 - Dade City/Ridge Manor

Lot Size

8,931 sqft

HOA
$277/yr
Whispering Oaks Estates
Date
Event
Price
3/26/2026
Price change
Source: Stellar MLS #TB8478415
$329,000-2.9%
$134/sqft
3/5/2026
Listed for sale
Source: Stellar MLS #TB8478415
$339,000+2.7%
$138/sqft
7/19/2024
Sold
Source: Hernando County Public Record
$330,000
$134/sqft
Est. monthly payment$2,345/mo
Principal & interest$1,716
Property taxes$441
Insurance$165
HOA$23
Down payment20% · $65,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $329,000
$320,000 – $329,000
96.9% – 100% of listTops out right at the list price
80% of listList price
39 of the last 76 home closings in 33523 landed at this number or higher (51%). The median one sat 75 days before it went under contract, and this one is on day 190 after a $10,000 cut.

Sample: 76 closed home sales in 33523 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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