Lake Bernadette
Homes for Sale in Zephyrhills, FL

All 633 homes for sale in Zephyrhills, FL · median $299,000 · 307 homes for sale in 33541 · Pasco County homes for sale

Community in Zephyrhills · Pasco County · ZIP 33541
149 homesBuilt 1991–2012
Free · No obligation
Talk to a Lake Bernadette Expert

True comps, carrying-cost math, and listings before the portals.

Photo via Stellar MLS

Built fromLive Stellar MLS data12 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Lake Bernadette Parcels 17 & 18A in Zephyrhills, FL has 1 home for sale. As of October 2026, the MLS records 19 closed sales in Lake Bernadette Parcels 17 & 18A in Zephyrhills, FL since 2014, the most recent in September 2026. Across Zephyrhills as a whole, 836 homes closed in the last 12 months at a median of $345,000, 59 median days on market, with 312 homes for sale today. At that median and Pasco County's FY2025-26 rate of 16.15 mills, annual property tax runs about $5,570 ($4,920 with the full homestead exemption).

Live · Lake Bernadette Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
12.0mo
Supply
3 to 6 months is the balanced band
0%
Under contract
Pasco: 22% (1,214 of 5,427)
1 · 0
For sale · pending
live counts, refreshed twice daily
1
Sold · last 12 mo
10-yr average: about 1 a year
Ownership and context
72%
Owner-occupied · Lake Bernadette
110 of 152 parcels homesteaded (FL DOR 2025)
28%
Non-owner-occupied · Lake Bernadette
incl. 14% trust or LLC-held · 16% out-of-state
149
Homes in the community
plus 3 vacant residential lots · 152 residential parcels (FL DOR 2025)
Track record · 12 years of records
5
Recorded sales · 2024-2025
median $335K · qualified sales on the county roll (FL DOR 2025)
Est. 1991
Community established
homes built 1991-2012, median 2006 (FL DOR 2025)
0.7%/yr
Turnover rate
about 1 of 149 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

This is a built-out pocket of Lake Bernadette where the homes came up over roughly two decades, with construction running from 1991 through 2012 and a median build year of 2006. That spread matters more than any single number: what sets price here is condition and updating, not square footage alone, because two homes of similar size can be a generation apart in mechanicals, roofs, and finishes. The median home carries about 2,431 square feet, so this is a section of larger single-family product rather than starter stock.

The ownership posture is the tell. With just under three-quarters of homes homesteaded, turnover tends to be measured — sellers here are largely owner-occupants who move on their own timeline, not investors churning inventory. For a buyer, that means fewer listings and a market that rewards being ready when the right updated home lists. For a seller, it means your competition is often defined by condition, and a home that shows well and has its major systems addressed can separate itself.

Lake Bernadette Housing Pulse · Momentum Research · as of September 20, 2026

Lake Bernadette right now

🟢 Buyer-leaning market. 12.0 months of supply and 0% 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: Low (1 active and pending listings, 1 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated October 2, 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

Lake Bernadette Parcels 17 & 18A is an established, essentially built-out section in Zephyrhills, in Pasco County, made up of 149 larger single-family homes. Age varies enough that due diligence on roof, HVAC, and other systems is the real work of buying here.

Stellar MLS sales records identify 639 homes in Lake Bernadette that have changed hands since 2004, built between 1979 and 2021 (median 2004), with a median living area of about 1,814 sq ft and a typical 3-bedroom, 2-bath layout; 72% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

County records show 5 qualified sales in Lake Bernadette across 2024–2025 (3 in 2024, 2 in 2025), median $335,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Best for

  • Owner-occupant buyers seeking a larger primary residence they plan to hold for years
  • Buyers comfortable ordering inspections and budgeting for roof and HVAC based on a home's age
  • Move-up buyers who value an established, built-out setting over a brand-new subdivision

Probably not for

  • Buyers set on new construction or the latest floor plans and finishes
  • Investors who need frequent inventory and quick turnover
  • Buyers who want a large menu of active listings on the market at once

The market around Lake Bernadette

Lake Bernadette is too small for its own price trend, so here is the market around it.

In ZIP 33541, 408 homes are on the market and 23% are under contract — a steady corner of Zephyrhills.

Across Pasco County, 4,213 homes are active and 1,214 pending (22% under contract).

In ZIP 33541 (Zephyrhills), 1,578 homes closed in the last 12 months at a median of $400K ($182/sq ft), down 0.7% year over year, with a median 58 days on market. Right now 298 active and 88 pending listings put supply at about 4.9 months — a balanced market. See the live ZIP 33541 housing market and the Pasco County market.

ZIP and county figures describe the wider market, not Lake Bernadette specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Lake Bernadette Parcels 17 & 18A, Zephyrhills

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 3 listings
Distress share trend — 0.0% now (2026-09-13 → 2026-10-01)

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.

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

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

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.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Lake Bernadette.

Best Buy
Buyers wanting a larger single-family home in an established Zephyrhills section.
Biggest Risk
A wide build-year range means system age varies sharply from home to home.
Sweet Spot
An updated home near the middle of the age range with recent major systems.
Avoid If
You want new construction or a steady flow of listings to choose from.

Condition, not size, is the variable

The build window from 1991 to 2012 is the single most useful fact for setting expectations. A home from the early stretch of that range is meaningfully different from one built near 2012, even at a similar footprint, and those differences — roof age, windows, kitchens and baths, and mechanical systems — are where value is won or lost. Read every listing through that lens rather than assuming the median build year of 2006 describes any specific house.

At a median of roughly 2,431 living square feet, this is a section of substantial floor plans. That works in a buyer's favor when comparing homes, because the space is fairly consistent and the price differences you see typically trace back to updates and upkeep. Ask for the age of the major systems early; it is the fastest way to understand why one home is priced above another.

“

The location and the amenities are priced into every listing in Lake Bernadette. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a small, mostly owner-occupied section like this, listings are limited and each one demands a close read on condition and system age. We track what actually trades here, translate build year and updates into real value, and keep you ready to move when the right home comes up — whether you are pricing a home to stand out or buying one you will not have to overhaul.

Lake Bernadette in 15 seconds.

Best forBuyers wanting a larger single-family home in an established Zephyrhills section.
Biggest advantageConsistent, generous floor plans make condition-based comparisons straightforward.
Biggest riskA wide build-year range means system age varies sharply from home to home.
Sweet spotAn updated home near the middle of the age range with recent major systems.
Avoid ifYou want new construction or a steady flow of listings to choose from.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Lake Bernadette homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Lake Bernadette.
In short
  • HOA dues reported around $45/month (about $540/yr) · median of 40 MLS listings, most billed quarterly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $45 per month ($540 a year) — the median AssociationFee across 40 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Lake Bernadette sales matched to your home.

What is your Lake Bernadette home worth?

Get a no-obligation home value based on real comparable sales in Lake Bernadette, 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 →

Real comps, not an automated estimate.

Recently off market in Lake Bernadette Parcels 17 & 18A

Homes in Lake Bernadette Parcels 17 & 18A 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. 1 on record.

Frequently Asked Questions

Is Lake Bernadette a buyer's or seller's market right now?
As of September 20, 2026, Lake Bernadette leans toward buyers: 12.0 months of supply at the current sales pace (Stellar MLS live counts).
How many homes are in Lake Bernadette?
The Florida DOR 2025 assessment roll shows 149 homes plus 3 vacant residential lots in Lake Bernadette (public records).
What share of Lake Bernadette is owner-occupied?
72% of Lake Bernadette parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Lake Bernadette built?
Homes in Lake Bernadette were built between 1991 and 2012, with a median year built of 2006 (FL DOR 2025 roll).
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, fees, 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 320+ 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.
Where is Lake Bernadette, and what county is it in?
Lake Bernadette is in Zephyrhills, Pasco County, FL, ZIP 33541. The community's center is about 5 miles southwest of the center of Zephyrhills (straight-line).
Owner-occupant buyers seeking a larger primary residence they plan to hold for yearsExcellent fit
Buyers comfortable ordering inspections and budgeting for roof and HVAC based on a home's ageExcellent fit
Move-up buyers who value an established, built-out setting over a brand-new subdivisionExcellent fit
Buyers set on new construction or the latest floor plans and finishesProbably not
Investors who need frequent inventory and quick turnoverProbably not
Buyers who want a large menu of active listings on the market at onceProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: October 1, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (5 streets, ZIP 33541))
Under-contract sharesStellar MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2014 (19 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.

Own a home here?

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

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.

Looking to buy here? Search homes for sale →

What’s your home worth in your area?

A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

By submitting, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may call, email, and text you about your inquiry, which may involve automated means and prerecorded or artificial voices. You do not need to consent as a condition of buying any property, goods, or services. To opt out, reply STOP at any time or reply HELP for assistance. You can also click the unsubscribe link in emails. Message and data rates may apply. Message frequency may vary. See our Privacy Policy and SMS Terms.or call (904) 351-6461
CallFree valuation →
Thinking of selling in Lake Bernadette Parcels 17 & 18A? 1 recorded closings (window ending 2026-09-20). See the Pasco County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Nearby Communities

Explore more neighborhoods near Lake Bernadette with Momentum Realty’s local guides.

LBLake Bernadette Pcls 17 18A0.1 mi away · 34 homes, built 1991–08Ten Oaks0.2 mi away · median $339K, 3 sales/12 moSPShady Pines0.4 mi away · 20 homes, built 2004–06TGTownes Green0.5 mi away · 13 homes, built 2008–11

Browse all neighborhood guides →

Schools serving nearby communities

We do not have a confirmed school assignment for Lake Bernadette. These are the public schools most often assigned to other communities in ZIP 33541; zones change and vary by address, so confirm with the district before you buy.

Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).

Talk to a Local Lake Bernadette Expert
Call Get Listings