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$650,000

5413 BERNADETTE DRIVE, ZEPHYRHILLS, FL 33541

3D Tour
Active2 days on market

Beds

5

Baths

3

Sq Ft

3,741 sq ft

Year Built

1981

Lot Size

0.87 acres

Garage

2

About This Property

***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.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8550619
StatusActive
Year Built1981
Total Rooms7
ConstructionBlock, Other, Stucco
RoofOther, Shingle
FoundationBlock, Other
FacesEast
SubdivisionLAKE BERNADETTE GARDENS PH 1
CountyPasco
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Dry Bar, Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Other, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets
FlooringLaminate, Luxury Vinyl, Other, Tile, Vinyl
AppliancesCooktop, Dishwasher, Ice Maker, Microwave, Other, Range, Range Hood, Refrigerator, Wine Refrigerator
LaundryInside, Laundry Closet, Other
CoolingCentral Air
HeatingCentral
FireplaceYes ()

Exterior & Lot

ExteriorGarden, Lighting, Other, Private Mailbox
Lot Size0.87 acres (38,102 sq ft)
Road SurfaceAsphalt
ViewWater
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesPublic

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$50 / Annually
Senior CommunityNo

Financial Details

List Price$650,000
Annual Taxes$4,261 (2025)
FinancingCash, Conventional, FHA, Other, VA Loan
ZoningAR
Parcel #082621003000000097A

Directions

Drive to Bernadette Dr 16 min (9.0 mi) Merge onto Wesley Chapel Blvd Pass by Burger King (on the right) 7.0 mi Continue onto 5th Ave/Pure Water Wy 1.2 mi Turn left onto Golf Links Blvd 0.3 mi Turn right onto Janine Dr ? 463 ft Turn left onto Bernadette Dr Destination will be on the left 0.4 mi

Location

5413 BERNADETTE DRIVE, ZEPHYRHILLS, FL 33541

Listing Information

OfficeINVESTOR CORNER REALTY LLC
ListedSeptember 22, 2026

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Home Price

$650,000

20% ($130,000)
6.75%

Loan Term

Principal & Interest$3,373
Property Tax (est.)$596
Insurance (est.)$150
Total Monthly$4,119
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How to Buy This Home

Multiple financing options available for this $650,000 home in ZEPHYRHILLS.

🏛️

FHA Loan

$22,750 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$32,500 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pasco County SHIP

Varies

Income-qualifying Pasco residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 24, 2026.

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