Lake Bernadette
Gardens Homes for Sale in Zephyrhills, FL

Golf-community villa section · West Zephyrhills · ZIP 33541

A villa and patio-home section within the Lake Bernadette golf community, built around The Links of Lake Bernadette. The read is the specific section and product type, the layered HOA and CDD carrying cost, and the lot, confirmed in writing before you offer.

West ZephyrhillsGolf-community villasHOA and CDD layered

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

Resale here turns on the section, the product type and the lot inside a golf master plan; confirm the sub-association dues, the community CDD assessment, and the home condition before anchoring on a number.

Free · No obligation

Unlock Off-Market Lake Bernadette Gardens

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseStellar MLS

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Median Price

0mo

Supply

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Avg DOM

Soft

Seller Leverage

n/a

Median $/Sqft

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1-Yr Price Change

0now

Distress

Jon's Current Read

"Lake Bernadette Gardens is a villa and patio-home section within Lake Bernadette, a golf-oriented master-planned community in west Zephyrhills built around The Links of Lake Bernadette, a semi-private course that opened in 1984. The community has developed in phases over the decades, and the Gardens section leans toward lower-maintenance villa and patio-home product alongside single-family residences elsewhere in the plan. The carrying-cost picture is layered: a community association, often a section-level sub-association for the villas, and a Lake Bernadette Community Development District that funds and maintains community improvements. The read is the specific section and product type, the full HOA and CDD math, the lot and home condition, and whether golf membership is bundled or separate, all confirmed in writing before you offer."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Lake Bernadette is a golf-oriented master-planned community in west Zephyrhills (ZIP 33541), Pasco County, built around The Links of Lake Bernadette, a semi-private eighteen-hole course that opened in 1984. The community is named for a lake within the plan and has developed in phases over the decades, mixing single-family homes with lower-maintenance villa and patio-home sections.

The Gardens is one of those sections, leaning toward villa and patio-home product designed for lower exterior upkeep. Inside a master plan like this, value is driven by the specific section, the product type and the lot rather than a single community-wide number, so each home should be judged on its own section, position and condition.

The carrying-cost picture is layered and worth reading carefully. There is typically a community association, a section-level sub-association for the villas that may cover exterior items, and a Lake Bernadette Community Development District that funds and maintains community improvements through a separate assessment. Confirm each line in writing, since the total monthly carry is what actually matters.

Confirm the school assignment by address with Pasco County Schools if that matters to you, whether golf membership is bundled or paid separately at The Links, and any age or use restriction on the specific section before you offer.

Quick Match

Who Lake Bernadette Gardens is best for.

Best for

Buyers who want a lower-maintenance villa or patio home near golf
Buyers who value a settled, established master-planned setting
Buyers who like having a semi-private course and amenities nearby
Buyers who will confirm the HOA, sub-association and CDD math

Probably not for

Buyers who want a no-association, no-assessment home
Buyers who want brand-new construction with the latest layouts
Buyers unwilling to confirm layered HOA and CDD costs
Buyers who want a waterfront or coastal setting

Market Pulse

How Lake Bernadette Gardens is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

57Median days on marketdays

0 : 0Under contract vs for salestrong demand

0Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 24, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Lake Bernadette Gardens listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare Two Rivers or Zephyrhills. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Lake Bernadette buys, holds, and resells. See the five factors.

Interactive Map

Lake Bernadette Gardens on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The Club & Membership

15-Second Take

The Links of Lake Bernadette is semi-private; confirm membership terms
Ask whether golf is bundled with the home or paid separately
Community amenities vary by section; confirm the current list
Confirm the community HOA and any villa sub-association dues
Confirm the Lake Bernadette CDD assessment per parcel

Lake Bernadette Gardens is a villa and patio-home section within Lake Bernadette, a golf-oriented master-planned community in west Zephyrhills (ZIP 33541), Pasco County, built around The Links of Lake Bernadette, a semi-private eighteen-hole course that opened in 1984. The community has developed in phases over the decades, mixing single-family homes with lower-maintenance villa and patio-home sections. Carrying cost is layered: a community association, often a villa sub-association, and a Lake Bernadette Community Development District assessment. Confirm each dues and assessment line, whether golf is bundled or separate, the lot and product type, and the school assignment by address with Pasco County Schools, since details change.

Nearby & Commute

How far is everything?

The takeaway

The west Zephyrhills location is the point: downtown, US-301, Wesley Chapel shopping and I-75 are all within a reasonable drive.

Drive times from the community area; the location puts downtown, major roads, and Wesley Chapel shopping within reach.

Downtown Zephyrhills and US-301~8 to 15 min · ~3 to 6 miles

The Shops at Wiregrass, Wesley Chapel~15 to 25 min · ~8 to 13 miles

Tampa Premium Outlets~18 to 28 min · ~10 to 16 miles

I-75 at SR 56~18 to 28 min · ~10 to 16 miles

AdventHealth Zephyrhills~10 to 18 min · ~4 to 8 miles

Tampa International Airport~45 to 60 min · ~32 to 40 miles

Drive times are approximate and vary with traffic and your exact departure point. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Lake BernadetteGardens Homes for Sale in Zephyrhills, FL with Momentum Realty’s local guides.

Zephyr EstatesZephyrhills, FL · 0.9 mi WHWedgewoodManor Homes for Sale in Zephyrhills, FLZephyrhills, FL · 0.9 mi APAbbott Park Homes for Sale in Zephyrhills, FLZephyrhills, FL · 0.9 mi ASAbbott Square Homes for Sale in Zephyrhills, FLZephyrhills, FL · 0.9 mi ZEZephyrhillsZephyrhills, FL · 0.9 mi CHCobblestone Homes for Sale in Zephyrhills, FLZephyrhills, FL · 0.9 mi GEGem Estates Homes for Sale in Zephyrhills, FLZephyrhills, FL · 0.9 mi MSMoore's First Addition Homes for Sale in Zephyrhills, FLZephyrhills, FL · 0.9 mi SHSilverado Homes for Sale in Zephyrhills, FLZephyrhills, FL · 0.9 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Lake Bernadette Gardens (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Pasco County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Lake Bernadette Gardens is served by Pasco County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Pasco County Public Schools (verify by address)

Verifyrating

By address

Confirm zoned elementary, middle, and high

Verifyrating

Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Lake Bernadette Gardens address.

The takeaway

What is actually shaping value in this west Zephyrhills golf community, sourced and dated. We do not publish rumor.

Recent Developments in Lake Bernadette

Development Intelligence

Our read on what is being built around Lake Bernadette Gardens, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe structural story is a settled golf master plan in a fast-growing corridor where the section, the product type and the layered HOA and CDD carry drive outcomes. Watch Zephyrhills and southern Pasco growth and road work along SR 54 and US-301 against steady demand for lower-maintenance villa product near golf, and confirm the full carrying cost per section and parcel.

Layered HOA and CDD drive the real carry

Ongoing

BearishNotable impact

SignificanceRadius: Community

A community association, a villa sub-association and a CDD assessment stack up; confirm every line per section and parcel before you anchor on a number.

Semi-private golf supports demand

Ongoing

BullishNotable impact

SignificanceRadius: Community

The Links of Lake Bernadette and community amenities support steady interest in lower-maintenance villa product; confirm whether golf is bundled or separate.

Southern Pasco growth lifts the corridor

2025

BullishNotable impact

SignificanceRadius: Area

Zephyrhills population and job growth, including new industrial investment, supports durable demand; confirm how it affects a specific section.

SR 54 and US-301 road work and traffic

2025

NeutralMinor impact

SignificanceRadius: Area

Corridor road projects and rising traffic shape commute times; confirm your real commute at your real departure time.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Lake Bernadette, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

March 2026
Development
Mattamy Homes adds a 154-home community in Zephyrhills
Tampa Bay Business and Wealth reported on March 30, 2026 that Mattamy Homes acquired homesites for a 154-home community within the Pasadena Ridge master-planned community in Zephyrhills, with the builder acquiring the sites on March 26 and planning to begin sales in April. Why it matters: New home supply in Zephyrhills adds competition for resale villas and patio homes but also reflects durable demand in southern Pasco. Read how nearby new construction prices against the Gardens section before you offer. Source
October 2025
Infrastructure
Growth around SR 54 drives more Pasco traffic
Bay News 9 reported on October 6, 2025 that ongoing development around State Road 54 in Pasco County is leading to more traffic headaches as the area grows, with road projects in progress along the corridor. Why it matters: SR 54 corridor traffic and road work shape commute times from west Zephyrhills. Confirm your real commute at your real departure time before you anchor on convenience. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The Lake Bernadette Gardens buying strategy.

If we were buying in Lake Bernadette Gardens, this is the order of operations we would run, and the one we run for our clients.

Map the full carrying cost first. Confirm the community association, any villa sub-association, and the Lake Bernadette CDD assessment in writing before you anchor on a number.

Confirm the exact section and product type, since the Gardens villas, patio homes and nearby single-family homes carry different dues and upkeep.

Ask whether golf is bundled or separate at The Links of Lake Bernadette, and what membership or trail access costs.

Comp by section and product type, not by the community average, since each section prices differently.

Weigh the nearby alternative, Two Rivers, on product type, amenities and total carrying cost.

The Quick Decision

Best Buy

A well-kept villa or patio home on a good lot inside the Gardens, with the community HOA, sub-association and CDD assessment all confirmed and the golf arrangement understood.

Biggest Risk

Anchoring on a list price without adding up the community association, the villa sub-association, and the CDD assessment, then finding the real monthly carry is higher than expected.

Best Lot

Position inside the section drives value; a private, well-placed lot with a pleasant view or buffer defends price best.

Smart Timing

Section inventory turns over modestly; the right product type in the right section is worth waiting for, with the full HOA and CDD math confirmed first.

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Lake Bernadette Gardens Homes For Sale

What your money buys in Lake Bernadette Gardens.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Lake Bernadette Gardens today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

Entry: original villas and patio homes

The more original villas and patio homes on interior lots, the entry door into the Gardens section. Confirm current pricing on the live listings below.

Lowest entry

Core: updated villas on good lots

The updated villas and patio homes on better-positioned lots, the core of the section. Confirm current pricing on the live listings below.

Most inventory

High: larger or golf-adjacent homes

The larger or golf-adjacent homes in the wider Lake Bernadette plan, where lot, view and condition separate them most. Confirm current pricing on the live listings below.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

Entry: original villas and patio homes

The more original villas and patio homes on interior lots, the entry door into the Gardens section. Confirm current pricing on the live listings below.

Core: updated villas on good lots

The updated villas and patio homes on better-positioned lots, the core of the section. Confirm current pricing on the live listings below.

High: larger or golf-adjacent homes

The larger or golf-adjacent homes in the wider Lake Bernadette plan, where lot, view and condition separate them most. Confirm current pricing on the live listings below.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Lake Bernadette Gardens, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Golf and lake lots resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Lake Bernadette Gardens is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On golf, lake, and preserve frontage, the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Lake Bernadette Gardens holds value.

Our read on the factors that protect resale here, and the one to manage.

Established golf-community housing stockSolid

West Zephyrhills location near SR 54Solid

Confirm community HOA and villa sub-associationManage it

Read condition and product type per homeManage it

Confirm the Lake Bernadette CDD assessmentWatch it

Momentum analysis based on the no-CDD structure, central location, built-out lot scarcity, the funded club plan, and the all-resale 1990s housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated golf or lake home priced just under the next tier up. Buyers chasing the single biggest estate often pay estate prices for what is really a renovation project.

5 Mistakes Buyers Make in Lake Bernadette Gardens

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Ignoring the optional club cost
Skipping the roof, HVAC, and systems check

In an all-resale, seven-figure, renovation-driven market, the same five mistakes cost buyers the most. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

Golf frontage, lakefront, and preserve lots carry real, durable premiums. Pay an estate price for an interior lot and you are buying the weakest version of the value.

Ignoring the club decision

The club is optional and separate, so two similar homes can cost very differently to own. Buyers who do not price the membership they will actually use misread their real monthly number.

Skipping the systems check

A 1990s home means 1990s-era systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

Lake Bernadette Gardens is about the section, the product type and the layered carry, not a single community number. The deal is won or lost on the HOA, the sub-association, the CDD assessment and the lot, confirmed before you offer.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.4B · Buy Score

Resale Strength7.5/10

Renovation Risk7.2/10

Location Efficiency7.4/10

Long-Term Defensibility7.6/10

Carrying Cost Advantage5.8/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Lake Bernadette Gardens is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

GolfLake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take

The section and lot position drive resale more than finishes
Confirm the product type, view and any golf or preserve exposure
Read condition on the specific home
Confirm the layered HOA and CDD costs per parcel
Comp the specific home, not the community average

In a golf master plan like this, the section, the product type and the lot position set the floor on resale while the house itself can be updated. Read the section, the lot, the view and any golf or preserve exposure first, confirm the layered community HOA, villa sub-association and CDD assessment, then price the condition of the home against the closest comparable sale in the same section rather than a community average.

The 15-Second Verdict

Lake Bernadette Gardens in 15 seconds.

Best forBuyers who want a lower-maintenance villa or patio home near golf in an established west Zephyrhills master plan.

Strong onA semi-private golf course, community amenities, and a settled, established setting with villa and patio-home product.

WatchThe layered HOA, villa sub-association and CDD assessment. Confirm every carrying-cost line per section and parcel.

Sweet spotA well-kept villa or patio home on a good lot with the full HOA and CDD math and the golf arrangement confirmed.

Not forBuyers who want a no-association home, brand-new construction, or a waterfront setting.

HOA, CDD & Fees

15-Second Take

Confirm the community association dues and what they cover
Confirm any villa or section sub-association dues separately
Confirm the Lake Bernadette CDD assessment per parcel
Ask whether golf membership is bundled or separate
Add every line up before you anchor on a number

Carrying cost in Lake Bernadette is typically layered: a community association, often a section-level sub-association for the villas that may cover exterior items, and a Lake Bernadette Community Development District assessment that funds community improvements. Dues and assessments vary by section and product type, so confirm each line in writing before you offer; we pull the documents for any home you consider.

Villa and patio-home sub-associations often cover some exterior maintenance and common areas, while the community association and CDD cover community-wide items. Golf at The Links is generally a separate cost. Confirm exactly what each line covers, and whether golf membership or trail access is bundled or paid separately.

Run Your Numbers

Tools for a Lake Bernadette Gardens buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxPasco County millage and the homestead picture.Rent vs buyThe breakeven on owning in Lake Bernadette Gardens.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Lake Bernadette Gardens

Price it to your section, product type and lot, with the full carry shown.

If you are selling in Lake Bernadette Gardens, the right list price comes from recent sales matched to your section, product type and home condition inside a golf master plan where each section prices differently. Clear HOA, sub-association and CDD information is a real asset.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Lake Bernadette Gardens, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Two Rivers, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Lake Bernadette Gardens home worth?

Get a no-obligation home value based on real comparable sales in Lake Bernadette Gardens matched to your condition, lot, and view, 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 homes for sale in Lake Bernadette on the map →
Or get your Lake Bernadette home value & selling guide →

Real comps, not a Zestimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Pasco County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,816/mo

Pasco County typical true cost to own

$138/mo

Pasco County typical home insurance

Has a CDD

Bond assessment on top of taxes

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pasco County scorecard.

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Lake Bernadette Gardens Market Scorecard

Thin data

Lake Bernadette Gardens is currently a thin data. Limited supply, a median asking price of n/a.

n/a

Months supply

n/a

Median list

n/a

Median sold

n/a

Per sqft

n/a

Days on mkt

0/0/0

Active/Pend/Sold

Go deeper: 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.

Frequently Asked Questions

Where is Lake Bernadette Gardens located?

It is a villa and patio-home section within Lake Bernadette, a golf-oriented master-planned community in west Zephyrhills, FL (ZIP 33541), Pasco County, built around The Links of Lake Bernadette golf course.

What kind of homes are in Lake Bernadette Gardens?

The Gardens leans toward lower-maintenance villas and patio homes, with single-family residences elsewhere in the wider Lake Bernadette plan. Confirm the specific size, year built, condition and product type for any home.

Does Lake Bernadette have a golf course?

Yes. The Links of Lake Bernadette is a semi-private eighteen-hole course that opened in 1984, located within the community. Confirm whether golf membership or trail access is bundled with a specific home or paid separately.

Does Lake Bernadette Gardens have an HOA?

Yes, and the carry is typically layered: a community association, often a section-level sub-association for the villas, and a Lake Bernadette Community Development District assessment. Confirm each line and what it covers in writing before you offer.

What is the Lake Bernadette CDD?

The Lake Bernadette Community Development District is an independent special-purpose unit of local government created under Chapter 190, Florida Statutes, that funds and maintains community improvements through an assessment. Confirm the current assessment for the specific parcel.

What amenities does Lake Bernadette have?

The community is built around The Links of Lake Bernadette golf course and offers community amenities reported to include a pool, fitness, tennis and pickleball. Amenity access and any cost vary by section, so confirm what a specific home includes.

What does a home in Lake Bernadette Gardens cost?

We do not publish a price figure here. Pricing tracks the specific section, product type, lot and condition. Confirm current pricing on the live listings on this page; we pull exact comps before you offer.

What schools serve Lake Bernadette Gardens?

The community is in Pasco County Schools, with assignment by address. Zoning can change, so confirm the current zoned campuses for any specific home with the district.

Is Lake Bernadette Gardens an age-restricted community?

Lake Bernadette is generally an all-ages golf community rather than a strict age-restricted plan, but section rules vary. Confirm any age or use restriction on the specific section before you offer.

How is the location and commute from Lake Bernadette?

The community sits in west Zephyrhills near SR 54 and Eiland Boulevard, with Wesley Chapel shopping and I-75 a reasonable drive west. Confirm your real commute at your real departure time.

Is now a good time to buy in Lake Bernadette Gardens?

Section inventory turns over modestly, so it depends on the specific product type and section. We pull live inventory and comps so you can judge value and the full carrying cost.

Is Lake Bernadette Gardens a good place to buy?

It can be, for a buyer who wants a lower-maintenance villa or patio home near golf and who confirms the layered HOA, sub-association and CDD math. We pull live inventory and comps so you can judge value on the actual property.

Do I need my own agent to buy in Lake Bernadette Gardens?

Yes. The listing agent works for the seller. Your own agent confirms the section, the layered HOA and CDD costs, the golf arrangement and the home condition, pulls true comps, and negotiates for you. Momentum Realty represents you, not the seller.

Who is the best real estate agent for Lake Bernadette?

The best agent for Lake Bernadette is one who actively works Zephyrhills and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Lake Bernadette.

How do I find a top Zephyrhills real estate agent who knows Lake Bernadette?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Lake Bernadette and the wider Zephyrhills area.

Can Momentum Realty connect me with an agent for Lake Bernadette?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Lake Bernadette purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Lake Bernadette Gardens?

An honest fit check. We will tell you when it is not your community.

You want a lower-maintenance villa or patio home near golfExcellent fit

You value a settled, established master-planned settingExcellent fit

You like having a semi-private course and amenities nearbyExcellent fit

You will confirm the community HOA, sub-association and CDD mathExcellent fit

You want an established west Zephyrhills location near SR 54Excellent fit

You want a no-association, no-assessment homeProbably not

You want brand-new construction with the latest layoutsProbably not

You will not confirm the layered HOA and CDD costsProbably not

You want a waterfront or coastal settingProbably not

You want the lowest possible monthly carryProbably not

Get the inside read on Lake Bernadette Gardens

Whether you are buying a renovation project, comparing the lots and views, weighing the optional club, or selling your Lake Bernadette Gardens home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Lake Bernadette Gardens specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Lake Bernadette — what to look for, questions to ask, and your local expert.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. 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; deemed reliable but not guaranteed by MLS GRID.

Lake BernadetteGardens Homes for Sale in Zephyrhills, FL

The 60-Second Overview

Who Lake Bernadette Gardens is best for.

Best for

Probably not for

How Lake Bernadette Gardens is performing right now

Lake Bernadette Gardens on the map.

The Club & Membership

How far is everything?

Nearby Communities

Schools

Pasco County Public Schools (verify by address)

Confirm zoned elementary, middle, and high

Magnet and choice options may apply

Recent Developments in Lake Bernadette

Layered HOA and CDD drive the real carry

Semi-private golf supports demand

Southern Pasco growth lifts the corridor

SR 54 and US-301 road work and traffic

Mattamy Homes adds a 154-home community in Zephyrhills

Growth around SR 54 drives more Pasco traffic

The Lake Bernadette Gardens buying strategy.

The full read, only if you want it.

What your money buys in Lake Bernadette Gardens.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Lake Bernadette Gardens holds value.

5 Mistakes Buyers Make in Lake Bernadette Gardens

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Ignoring the club decision

Skipping the systems check

Momentum Buy Score.

Why our read on Lake Bernadette Gardens is different.

Which Lots & Views Hold Value Best

Lake Bernadette Gardens in 15 seconds.

HOA, CDD & Fees

Tools for a Lake Bernadette Gardens buy.

Price it to your section, product type and lot, with the full carry shown.

In Lake Bernadette Gardens, condition and view decide your number

What is your Lake Bernadette Gardens home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Lake Bernadette Gardens Market Scorecard

Frequently Asked Questions

Should you buy in Lake Bernadette Gardens?

Get the inside read on Lake Bernadette Gardens

You are all set.

Need to sell fast in Pasco County?

You just read the data. Now see what your home is worth.

Lake Bernadette
Gardens Homes for Sale in Zephyrhills, FL