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Overview

3 bd2 ba1,941 sqft2 car garageSingle Family
TypeSingle Family
HOA$277/yr
Built1986
Lot10,000 sqft
Living area1,941 sqft
Price / sqft$111
Garage2 car

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

About this home

Open FloorplanSolid Surface CountersSplit BedroomWalk-in Closet(s)ClubhouseDeed RestrictionsDishwasherMicrowave

34438 Cedarfield Dr is a 1986-built home in Whisp Oaks Estate Ph 3, Dade City. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,941 square feet of living space. Listed at $215,000 (about $111/sqft), 22 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $277 annually.

From the listing

Virtually Staged. Welcome to the desirable Whispering Oaks community! This charming home, situated on a green belt, features beautiful brick exterior accents and is surrounded by large, mature trees that create a lovely setting. Inside, luxury vinyl flooring flows throughout, complemented by white cabinetry, quartz countertops, and stainless steel appliances for a clean, modern feel. The primary bedroom offers a walk-in closet and an ensuite bathroom for added comfort and convenience. A separate laundry room provides practical functionality, while the spacious sunroom offers the perfect spot to relax or entertain guests. Step outside to the back patio and enjoy the peaceful outdoor setting. Located near a golf course that recently sold and is currently closed, but plans for reopening are already being discussed. With its inviting features and community amenities, this home is ready to welcome you! Please note this home may have sinkhole and foundation issues requiring remediation.

The essentials

Built
1986
Price / sqft
$111
On market
22 days
Annual tax
$4,559
HOA
$277/yr
Flood zone
AE
Lot
10,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 1986
2 car garage
10,000 sqft lot
Lot size
1,941 sqft
Living area

Payment

Est. monthly payment
$1,631/mo
Down payment (20%)
$43,000
Property taxes
$380/mo
HOA
$277/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1986
Lot
10,000 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
22
Open Floorplan
Solid Surface Counters
Split Bedroom
Walk-in Closet(s)
Clubhouse
Deed Restrictions
Dishwasher
Microwave
Range
Refrigerator
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 AE
Annual Tax (2025)
$4,559
Parcel #
R02-123-21-1316-0000-0930

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
Whisp Oaks Estate Ph 3
County
Hernando
MLS Area
33523 - Dade City/Ridge Manor
Lot Size
10,000 sqft
Greenbelt
HOA
$277/yr
Whispering Oaks Estates / Saybra Chapman

Price history

Date
Event
Price
10/23/2026
Listed for sale
Source: Stellar MLS #TB8561047
$215,000-23.2%
$111/sqft
2/13/2023
Sold
Source: Hernando County Public Record
$280,000
$144/sqft

Neighborhood

34438 Cedarfield Dr
Dade City, FL, 33523 · 33523 - Dade City/Ridge Manor

Market insights

Offer Insights

Choose an offer strength

List price: $215,000
$212,500 – $215,000
98.6% – 100% of listTops out right at the list price
80% of listList price
61 of the last 120 home closings in 33523 landed at this number or higher (51%). The median one sat 38 days before it went under contract, and this one is on day 22.

Sample: 120 closed home sales in 33523 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,632/mo
Principal & interest$1,121
Property taxes$380
Insurance$108
HOA$23
Down payment20% · $43,000
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

$215,000

$111 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,941 sq ft

Time on market

22 days

Year built

1986

Monthly payment

About $1,631/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,559 annual tax bill, insurance, and the $277/yr HOA fee.

HOA fee

$277/yr

Managed by Whispering Oaks Estates / Saybra Chapman.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byHOMESMARTListing agent: Cheryl KypreosListing data from Stellar MLS, MLS# TB8561047.

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