Silver Oaks
Homes for Sale in Zephyrhills, FL
All 633 homes for sale in Zephyrhills, FL · median $295,000 · 162 homes for sale in 33542 · Pasco County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of October 2026, silver oaks in Zephyrhills, FL has 11 homes for sale and 5 pending, asking from $199,900 to $497,000 (median $317,900). Over the 12 months ending 2026-09-20, 16 recorded sales closed at a median of $329,950, $208 per square foot, a median 53 days on market, sellers accepting 97% of original asking (+11% versus the prior year). Homes listed or recently sold were built 1988 - 2006; 28 of 28 report an HOA (median $70/mo); 4 of the 28 geocoded homes sit in a FEMA special flood hazard zone (median elevation 89 ft). At the median price and Pasco County's FY2025-26 rate of 16.15 mills, annual property tax runs about $5,330 ($4,680 with the full homestead exemption).
Villages & sections of Silver Oaks
Silver Oaks in Zephyrhills, FL is a master-planned community recorded as 5 named villages and sections in the MLS; 3 homes are for sale or pending across them today. Each village has its own page with its listings, sales history and HOA/CDD facts.
- Silver Oaks Hills · 2 for sale
- Laurelwood at Silver Oaks · 1 for sale
- Silver Oaks Village Ph 2 · 4 sold/12 mo
- Stephen Glen at Silver Oaks Ph 03 · 2 sold/12 mo
- Silver Oaks Village - Phase Two
Last 30 days in Silver Oaks: 2 new listings (median asking $258,900), 5 under contract right now, 1 closed sale (median $335,000). As of October 16, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Silver Oaks
Live MLS inventory for Silver Oaks. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 87 daysTop listing
Active · 66 days
Active · 31 days
Active · 372 days
Active · 105 days
Active · 22 days
Active · 71 days
Active · 248 days
Active · 63 days
Active · 55 days
Active · 1 days
Pending · 101 days
Pending · 26 days
Pending · 72 daysActive and pending Silver Oaks listings as of 2026-10-15, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2008 through 2026. Tap any home to ask about it.
Silver Oaks right now
🟢 Buyer-leaning market. 8.8 months of supply and 22% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Very High (18 active and pending listings, 16 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($330K) is up 10.7% from the prior 12 months ($298K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Medium (16 and 11 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 16, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Silver Oaks market snapshot (as of September 20, 2026): the median sale price is about $330K ($208 per sq ft over the trailing 12 months of closed sales), a median 54 days on market for closed sales, and 8.8 months of supply, a buyer-leaning market. The trailing-12-month median is up 11% from the prior 12 months, computed from record-level Stellar MLS closed sales (16 closings in the current window).
In ZIP 33542 (Zephyrhills), 539 homes closed in the last 12 months at a median of $195K ($142/sq ft), down 7.9% year over year, with a median 54 days on market. Right now 171 active and 38 pending listings put supply at about 4.7 months - a buyer's market. See the live ZIP 33542 housing market and the Pasco County market.
County records show 16 qualified sales in silver oaks across 2024 - 2025 (8 in 2024, 8 in 2025), median $319,900 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Silver Oaks: of 25 listing addresses checked against the FEMA National Flood Hazard Layer, 84% sit outside the FEMA Special Flood Hazard Area (Zone X); 16% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Zephyrhills.
Silver Oaks is a community of 171 homes in Zephyrhills, Pasco County, built between 1988 and 2016 (median 1995.0), with a median living area of about 1,904 square feet. 81% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Silver Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Silver OaksSilver OaksSilver OaksSilver OaksSilver OaksSilver OaksSilver OaksSilver OaksPhotos from Stellar MLS listings in Silver Oaks; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($330K) IS the median in the snapshot above, and the move from 2025 ($298K) IS the +10.7% one-year change.
Windows contain 0 to 23 sales each (16 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2008 through 2026. Deemed reliable but not guaranteed.
31% of homes for sale in Silver Oaks are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-17).
Silver Oaks Market Scorecard
Silver Oaks is currently a buyer's market. About 6.9 months of supply, a median asking price of $317,900, and homes go under contract in about 66 days.
Typical home value in the 33542 ZIP is $224,667, about 7.4% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Silver Oaks on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Life at Silver Oaks
- Deed Restrictions · reported on 12 of 19 listings
- Golf · reported on 7 of 19 listings
- Golf Carts OK · reported on 5 of 19 listings
- Fence Restrictions · reported on 4 of 19 listings
- Community Mailbox · reported on 2 of 19 listings
- Vehicle Restrictions · reported on 1 of 19 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Pasco County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pasco County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Silver Oaks listings and can change; always confirm with Pasco County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Silver Oaks address.
Shop the zone: Homes zoned for Zephryhills High School-Po
The Silver Oaks buying strategy.
If we were buying in Silver Oaks today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Silver Oaks.
A closer look at the Silver Oaks market
At a median of $208 per square foot, Silver Oaks prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 8.8 months of supply, a buyer-leaning market and the trailing-12-month median up 11% year over year. Homes that do trade take a median 54 days on market, useful leverage on any listing that has lingered.
The housing stock is 171 homes built between 1988 and 2016, and 81% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Silver Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Silver Oaks buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.4). Basis: Recent Direction +10.7% year-over-year; Liquidity & Demand 8.8 months of supply; Owner Commitment 81% owner-occupied; Pricing Power 96.8% sale-to-list. Refreshed with each data update.
What it really costs to own in Silver Oaks
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $70/month across 871 MLS listings (most billed quarterly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Pasco County is $1,659/yr (8,233 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 25 listing addresses checked against the FEMA flood map, 84% sit outside the high-risk zone and 16% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 1995 across 26 listings. An original roof here would be about 31 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Silver Oaks
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Silver Oaks
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Silver Oaks will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $70/month (about $840/yr) · median of 871 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $70 per month ($840 a year) - the median AssociationFee across 871 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Flood & Insurance Context
Of 26 sampled listing addresses in this community: 85% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 15% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=26) · as of 2026-10
Tools for a Silver Oaks buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Silver Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Silver Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Silver Oaks home worth?
Get a no-obligation home value based on real comparable sales in Silver Oaks, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Zephyrhills →
Recently off market in silver oaks
Homes in silver oaks that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 5 on record.
- 37117 Foxrun Place · off market
- 6245 Silver Oaks Drive · off market
- 6352 Huntington Drive · off market
- 6536 Northlake Drive · off market
- 6634 Northlake Drive · off market
| Location | Zephyrhills, Pasco County, FL · ZIP 33542 |
|---|---|
| Homes in the community | 171 (FL DOR 2025 assessment roll) |
| Years built | 1988–2016 (median 1995.0) |
| Typical living area | 1,904 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Deed Restrictions, Golf, Golf Carts OK, Fence Restrictions, Closed Circuit Camera(s), Fire Alarm |
| Sale prices, last 12 months | $329,950 median across 16 closed sales · $208 per sq ft · +10.7% vs the prior 12 months |
| Days on market (closed sales) | 53 median |
| For sale right now | 14 active, 4 pending · median asking $314,950 · 8.8 months of supply |
| Owner-occupied (homestead) share | 81% |
| Zoned public schools | Pasco County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2008 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Silver Oaks key facts,” movewithmomentum.com/neighborhoods/silver-oaks-zephyrhills, data as of September 20, 2026.
Housing distress & ownership in silver oaks, Zephyrhills
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Just listed in Silver Oaks
The newest homes for sale in Silver Oaks right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 6212 Moorefield Lane $199,900 · 2 bd · 2 ba · 1,020 sq ft · 1 day on market Courtesy of F I GREY & SON RESIDENTIAL
- 6444 Ashville Drive $317,900 · 3 bd · 2 ba · 1,492 sq ft · 22 days on market Courtesy of RE/MAX SUNSET REALTY
- 6302 Silver Oaks Drive $385,000 · 3 bd · 2 ba · 2,137 sq ft · 31 days on market Courtesy of EXP REALTY LLC
- 6540 Foxmoor Drive $289,000 · 2 bd · 2 ba · 1,570 sq ft · 55 days on market Courtesy of KELLER WILLIAMS REALTY SMART 1
- 6232 Huntington Drive $295,000 · 3 bd · 2 ba · 1,534 sq ft · 63 days on market Courtesy of BINGHAM REALTY INC
- 6207 Huntington Drive $450,000 · 3 bd · 2 ba · 1,964 sq ft · 66 days on market Courtesy of REST EASY REALTY POWERED BY SELLSTATE
Checked against the MLS Oct 16, 2026. All new listings in this market.
Every Home for Sale in Silver Oaks Zephyrhills Right Now (15)
All 15 active and pending Silver Oaks Zephyrhills listings with a detail page, newest first, refreshed twice a day from the MLS.
- 6212 Moorefield Lane · $199,900 · 2 bd / 2 ba · listed Sep 10, 2026 · listed by F I Grey & Son Residential
- 6302 Silver Oaks Drive · $385,000 · 3 bd / 2 ba · listed Sep 3, 2026 · listed by Exp Realty Llc
- 6444 Ashville Drive · $317,900 · 3 bd / 2 ba · listed Aug 30, 2026 · listed by Re/Max Sunset Realty
- 37147 Foxrun Place · $325,000 · 3 bd / 2 ba · pending · listed Aug 22, 2026 · listed by Mark Spain Real Estate
- 37450 Picketts Mill Avenue · $310,000 · 4 bd / 2 ba · pending · listed Aug 13, 2026 · listed by Bhhs Florida Properties Group
- 6549 Brentwood Drive · $314,900 · 2 bd / 2 ba · listed Aug 2, 2026 · listed by Paradise Realty And Investment
- 6344 Birmingham Avenue · $240,000 · 3 bd / 2 ba · pending · listed Jul 30, 2026 · listed by Florida'S 1St Choice Rlty Llc
- 6207 Huntington Drive · $450,000 · 3 bd / 2 ba · listed Jul 20, 2026 · listed by Rest Easy Realty Powered By Sellstate
- 6232 Huntington Drive · $295,000 · 3 bd / 2 ba · listed Jul 19, 2026 · listed by Bingham Realty Inc
- 6540 Foxmoor Drive · $289,000 · 2 bd / 2 ba · listed Jul 17, 2026 · listed by Keller Williams Realty Smart 1
- 6219 Huntington Drive · $500,000 · 3 bd / 2.5 ba · listed Jul 16, 2026 · listed by Facet Realty
- 6208 Huntington Drive · $335,000 · 3 bd / 2 ba · listed Jul 16, 2026 · listed by Rest Easy Realty Powered By Sellstate
- 37438 Picketts Mill Avenue · $299,900 · 3 bd / 2 ba · listed Jul 16, 2026 · listed by Lpt Realty, Llc.
- 6441 Silver Oaks Drive · $365,000 · 3 bd / 2 ba · pending · listed Jul 16, 2026 · listed by Dalton Wade Inc
- 37157 Foxrun Place · $279,000 · 2 bd / 2 ba · pending · listed Jul 16, 2026 · listed by Keller Williams Suburban Tampa
Recently sold in Silver Oaks Zephyrhills
- 6536 Northlake Drive · sold $335,000
- 6245 Silver Oaks Drive · sold $340,000
- 6634 Northlake Drive · sold $345,000
- 6352 Huntington Drive · sold $375,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Silver Oaks Drive (14 homes on record)
- Northlake Drive (14 homes on record)
- Silver Oaks Drive (12 homes on record)
- Huntington Drive (9 homes on record)
- Huntington Drive (4 homes on record)
- Huntington Drive (4 homes on record)
- Huntington Drive (2 homes on record)
- Silver Oaks Drive (2 homes on record)
- Silver Oaks Drive (2 homes on record)
- Silver Oaks Drive (1 homes on record)
- Silver Oaks Drive (1 homes on record)
- Silver Oaks Drive (1 homes on record)
Frequently Asked Questions
What is the median home price in Silver Oaks?
How long do homes in Silver Oaks take to sell?
Is Silver Oaks a buyer's or seller's market right now?
How many homes are in Silver Oaks?
What share of Silver Oaks is owner-occupied?
When were the homes in Silver Oaks built?
What schools serve Silver Oaks?
Who is the best real estate agent for Silver Oaks?
How do I find a top Zephyrhills real estate agent who knows Silver Oaks?
Can Momentum Realty connect me with an agent for Silver Oaks?
Where is Silver Oaks, and what county is it in?
Is Silver Oaks in a flood zone?
Is Silver Oaks a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 15, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 33542)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2008 (141 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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See how silver oaks fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Silver Oaks
- Home values · What homes in Silver Oaks actually sell for
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