34485 CEDARFIELD DRIVE, DADE CITY, FL, 33523
Pending127 days on marketListed Mar 20, 2026MLS #W7884038
About this home
34485 CEDARFIELD DRIVE
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.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,226
Sqft
0.24 ac
Lot size
2
Garage
1985
Year built
One
Levels
$155
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,506 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,506/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−7.8%
Days on market
127 vs 28 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Dade City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dade City. See the full Dade City guide →
DADE CITY 33523 — neighborhood snapshot
Population
19,296
Median age
40.6
Median income
$60,897
Median home value
$231,700
Avg household
2.79
Households w/ children
2,208
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dade City market
$343K → $335K
Dade City median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
Median sold price, Dade City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% above the DADE CITY 33523 median. See the full Dade City market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 34485 CEDARFIELD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 34485 CEDARFIELD DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
34485 CEDARFIELD DRIVE FAQs
What would the monthly payment be for 34485 CEDARFIELD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,506/mo — principal and interest, the actual property-tax bill, the $23/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 34485 CEDARFIELD DRIVE?+
The association fee works out to $23 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 34485 CEDARFIELD DRIVE?+
The most recent tax bill on record (2025) was $1,669. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 34485 CEDARFIELD DRIVE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Dade City?+
At $345,000, this home is listed about 12% below the Dade City median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 34485 CEDARFIELD DRIVE?+
Rodney B. Cox Elementary School (elementary), Pasco Middle School (middle), Pasco High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$345,000 runs 38% above the DADE CITY 33523 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
127 days on market against a Dade City median of 28 — sellers in this position are usually ready to negotiate.
Listing courtesy of RE/MAX MARKETING SPECIALISTS · Fran Meyer, PA. MLS #W7884038.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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