5213 LOCHMEAD TERRACE, ZEPHYRHILLS, FL, 33541
Active8 days on marketListed Sep 15, 2026MLS #TB8548751
About this home
5213 LOCHMEAD TERRACE
Welcome to easy Florida living in the highly desirable golf community of Lake Bernadette.This beautifully maintained 2-bedroom, 2-bath villa combines comfort, style, and peaceful golf course views in a setting designed for relaxation and convenience. From the moment you arrive , you'll appreciate the attractive curb appeal featuring mature landscaping and an expanded driveway enhanced with custom pavers. Step inside to discover a bright and open floor plan filled with natural light and designed for effortless everyday living and entertaining. The spacious living and dining areas flow seamlessly together, creating an inviting atmosphere throughout the home. Updated vinyl flooring adds warmth and elegance, while new windows provide energy efficiency and beautiful natural light. The kitchen overlooks the main living spaces allowing you to stay connected with family and guests while enjoying the open-concept layout. The generous primary suite offers a peaceful retreat complete with a large walk in closet and a beautifully updated luxurious shower with modern finishes that create a spa-like feel. Located in the established community of Lake Bernadette , residents enjoy a golf course lifestyle with convenient access to shopping, dining and medical facilities. This move-in ready villa offers the ideal combination of low-maintenance living, tasteful updates, and scenic surroundings.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,212
Sqft
0.11 ac
Lot size
1
Garage
1992
Year built
One
Levels
$194
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.
$2,180 /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
$2,180/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
+13.3%
$/sqft vs Zephyrhills actives
$194 vs $174
Days on market
8 vs 49 typical
Where $194/sqft sits among the 400 Zephyrhills actives
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 Lake Bernadette
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Zephyrhills. See the full Zephyrhills guide →
Lake Bernadette — neighborhood snapshot
Population
3,799
Median age
47
Median income
$90,107
Median home value
$306,868
Avg household
3
Households w/ children
437
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Zephyrhills market
$331K → $342K
Zephyrhills median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
238 of 400
Zephyrhills actives have cut their price
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the ZEPHYRHILLS 33541 median. See the full Zephyrhills market guide →
Paper trail
This home's history
Reality check
What actually sold near 5213 LOCHMEAD TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$206,000
5205 LOCHMEAD TERRACE · same community
2 bd · 2 ba · 1,212 sqft · $170/sqft · 93 DOM
Sold · May ’26$210,000
5235 LOCHMEAD TERRACE · same community
2 bd · 2 ba · 1,234 sqft · $170/sqft · 1 DOM
Sold · Dec ’25$247,500
5245 LOCHMEAD TERRACE · same community
3 bd · 2 ba · 1,520 sqft · $163/sqft · 208 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 5213 LOCHMEAD TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5213 LOCHMEAD TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5213 LOCHMEAD TERRACE FAQs
What would the monthly payment be for 5213 LOCHMEAD TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,180/mo — principal and interest, the actual property-tax bill, the $233/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 5213 LOCHMEAD TERRACE?+
The association fee works out to $233 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5213 LOCHMEAD TERRACE?+
The most recent tax bill on record (2025) was $3,601. 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 5213 LOCHMEAD TERRACE?+
The listing reports pets: Yes. 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 Zephyrhills?+
At $235,000, this home is listed about 26% below the Zephyrhills median of $319,700. The market section on this page shows how the area is trending.
Which schools are assigned to 5213 LOCHMEAD TERRACE?+
New River Elementary School (elementary), Raymond B. Stewart Middle School (middle), Zephyrhills High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of HARBOR HAUS REAL ESTATE GROUP LLC · Melanie Simonetti. MLS #TB8548751.
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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