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Overview

3 bd2 ba2,044 sqft2 car garageSingle Family
TypeSingle Family
HOA$277/yr
Built2025
Lot9,378 sqft
Living area2,044 sqft
Price / sqft$176
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Living Room/Dining Room ComboOpen FloorplanSolid Wood CabinetsSplit BedroomThermostatWalk-in Closet(s)Window TreatmentsRain Gutters

35040 Smoketree Ln is a 2025-built home in Whispering Oaks Estates Phase V-b, Dade City. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,044 square feet of living space. Listed at $359,900 (about $176/sqft), 3 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $277 annually.

From the listing

Virtually Staged. SPARKLY NEW! This never occupied 2025 built "Shelby" home invites you to enjoy a relaxing and affordable lifestyle! Located in the popular Whispering Oaks Estates community, this beautiful 3/2/2 home with 2044 SFLA features luxury vinyl flooring, upgraded wood cabinets, quartz countertops, state of the art applicances, a walk-in closet in the great room (extra storage is always a plus!) and an interior laundry room complete with washer & dryer. The 2 car garage has a door opener and stairs for attic access. The landscaping is already in place, complete with a bird bath in the rear yard and even a peach tree. The golf course is under new ownership and will reopen in the next few months. Rumor has it that there will be "night golf" and some other new and fun activities to enjoy. Whispering Oaks Estates is a Master planned community with reasonable deed restrictions and low annual fees. Dues this year are $277 (that's annual, not monthly). The roads are private, and there is a recreation center available for meetings and social activities including a spring picnic. The location is unique in that the community has a rustic, quaint, country feel (with lots of trees and nature), yet living there, you'll be convenient to multiple small towns and major cities like Tampa and Orlando. You can be on the shores of the Gulf of America in a half hour and on I-75 in less than 10 minutes. The area is growing with amenities - medical, shopping, restaurants and more. The city address can be Dade City or Ridge Manor - both have the same zip code. Why not come experience this offering for yourself? You'll be glad you did! $359,900

The essentials

Built
2025
Price / sqft
$176
On market
3 days
Annual tax
$771
HOA
$277/yr
Flood zone
X · Low risk
Lot
9,378 sqft
Type
Single Family Residence

At a glance

Single family
Built 2025
2 car garage
Driveway
9,378 sqft lot
Lot size
2,044 sqft
Living area
Brand new
Built 2025

Payment

Est. monthly payment
$2,144/mo
Down payment (20%)
$71,980
Property taxes
$64/mo
HOA
$277/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2025
Lot
9,378 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Driveway, Garage Door Opener
Days on Market
3
Living Room/Dining Room Combo
Open Floorplan
Solid Wood Cabinets
Split Bedroom
Thermostat
Walk-in Closet(s)
Window Treatments
Rain Gutters
Association Recreation - Owned
Deed Restrictions
Golf Carts OK
Golf
Special Community Restrictions
Dishwasher
Dryer
Electric Water Heater
Microwave
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.

Flood Zone X
Annual Tax (2025)
$771
Parcel #
R01-123-21-1326-0000-1810

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 Phase V-b
County
Hernando
MLS Area
33523 - Dade City/Ridge Manor
Lot Size
9,378 sqft
In CountyLandscapedLevelNear Golf CoursePavedPrivate
HOA
$277/yr
John Overbeck, Treasurer

Price history

Date
Event
Price
10/14/2026
Listed for sale
Source: Stellar MLS #TB8556406
$359,900+20.0%
$176/sqft
3/21/2025
Sold
Source: Hernando County Public Record
$300,000
$147/sqft

Neighborhood

35040 Smoketree Ln
Dade City, FL, 33523 · 33523 - Dade City/Ridge Manor

Market insights

Offer Insights

Choose an offer strength

List price: $359,900
$352,500 – $359,900
98% – 100% of listTops out right at the list price
80% of listList price
53 of the last 104 home closings in 33523 landed at this number or higher (51%). The median one sat 42 days before it went under contract, and this one is on day 3.

Sample: 104 closed home sales in 33523 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,144/mo
Principal & interest$1,877
Property taxes$64
Insurance$180
HOA$23
Down payment20% · $71,980
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 includes any condo dues 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.

Quick answers.

Price

$359,900

$176 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,044 sq ft

Time on market

3 days

Year built

2025

Monthly payment

About $2,144/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $771 annual tax bill, insurance, and the $277/yr HOA fee.

HOA fee

$277/yr

Managed by John Overbeck, Treasurer.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byBHHS FLORIDA PROPERTIES GROUPListing agent: Georgia BickfordListing data from Stellar MLS, MLS# TB8556406.

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