5413 BERNADETTE DRIVE, ZEPHYRHILLS, FL, 33541
Active1 days on marketListed Sep 22, 2026MLS #TB8550619
About this home
5413 BERNADETTE DRIVE
***Seller is offering up to 5% TOWARD BUYER CLOSING COSTS AND/OR INTEREST RATE BUYDOWN with an accepted full-price offer***Welcome to 5413 Bernadette Drive, a stunning LAKEFRONT HOME in the established Lake Bernadette community, offering over 3,400 square feet of living space, 5 bedrooms, 2.5 bathrooms, a 2-car garage, and nearly an acre of land. Surrounded by mature trees and beautiful natural scenery, this home combines an impressive amount of space with distinctive architectural character and gorgeous water views. Inside, you'll find an expansive layout with multiple living and entertaining areas, beautiful wood-look flooring, and a showstopping family room featuring SOARING VAULTED WOOD CEILINGS, exposed beams, a dramatic brick fireplace, and built-in shelving. The spacious kitchen sits at the heart of the home with generous cabinetry, ample prep space, a DRY BAR, and plenty of room for gathering and entertaining. The oversized primary suite is conveniently located on the main level and features a walk-in closet and private bath, while the additional bedrooms provide plenty of flexibility for family, guests, a home office, or hobby space. Upstairs, a PRIVATE SECOND-FLOOR BEDROOM creates a secluded retreat ideal for guests, extended family, or anyone looking for added privacy. One of the home's true highlights is the expansive SUNROOM, surrounded by windows that showcase the backyard and beautiful lake views while creating an incredible space to relax or entertain year-round. Step outside to a sprawling backyard framed by mature trees with plenty of room to enjoy the peaceful waterfront setting and Florida lifestyle. With its generous floor plan, unique architectural details, incredible entertaining spaces, lakefront setting, and desirable Lake Bernadette location, this home offers a rare combination of SPACE, PRIVACY, CHARACTER, AND SCENERY. 5413 Bernadette Drive isn't your typical Florida home—it's one you have to experience in person.
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
3,471
Sqft
0.87 ac
Lot size
2
Garage
1981
Year built
Two
Levels
$187
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.
$4,270 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,270/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+30.8%
Days on market
1 vs 49 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 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)
Median sold price, Zephyrhills, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 104% above the ZEPHYRHILLS 33541 median. See the full Zephyrhills 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 5413 BERNADETTE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5413 BERNADETTE DRIVE — 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
5413 BERNADETTE DRIVE FAQs
What would the monthly payment be for 5413 BERNADETTE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,270/mo — principal and interest, the actual property-tax bill, the $4/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 5413 BERNADETTE DRIVE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5413 BERNADETTE DRIVE?+
The most recent tax bill on record (2025) was $4,261. 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 5413 BERNADETTE DRIVE?+
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 $650,000, this home is listed about 103% above the Zephyrhills median of $319,700. The market section on this page shows how the area is trending.
Which schools are assigned to 5413 BERNADETTE DRIVE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$650,000 runs 104% above the ZEPHYRHILLS 33541 median — but at 3,471 sqft it's also nearly twice the size of the typical Zephyrhills listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 1 day on market in a Zephyrhills market that averages 49 — if it fits, move quickly.
Listing courtesy of INVESTOR CORNER REALTY LLC · Joe Medina. MLS #TB8550619.
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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