Silver Oaks
Homes for Sale in Zephyrhills, FL
All 627 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 September 2026, silver oaks in Zephyrhills, FL has 15 homes for sale and 3 pending, asking from $199,900 to $500,000 (median $315,000). Over the 12 months ending 2026-09-12, 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; 30 of 30 report an HOA (median $70/mo); 4 of the 27 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
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 · 52 days
Active · 8 days
Active · 317 days
Active · 58 days
Active · 88 days
Active · 11 days
Active · 28 days
Active · 59 days
Active · 172 days
Active · 53 days
Active · 55 days
Active · 280 days
Active · 21 daysActive and pending Silver Oaks listings as of 2026-09-14, 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. 9.5 months of supply and 17% 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 12, 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 12. Confidence: Medium (16 and 11 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 15, 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 12, 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 9.5 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), 542 homes closed in the last 12 months at a median of $195K ($142/sq ft), down 8.0% year over year, with a median 53 days on market. Right now 165 active and 36 pending listings put supply at about 4.5 months - a buyer's market. See the live ZIP 33542 housing market and the Pasco County market.
Flood zones in silver oaks: of 27 listing addresses checked against the FEMA National Flood Hazard Layer, 85% sit outside the FEMA Special Flood Hazard Area (Zone X); 15% 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 12 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.
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.
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.
Silver Oaks Market Scorecard
Silver Oaks is currently a strong buyer's market. About 9.5 months of supply, a median asking price of $315,000, and homes go under contract in about 55 days.
Typical home value in the 33542 ZIP is $228,576, about 6.6% 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.
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 September 2026 through September 2026. Deemed reliable but not guaranteed.
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, tiles © CARTO.
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 9.5 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 (6.3). Basis: Recent Direction +10.7% year-over-year; Liquidity & Demand 9.5 months of supply; Owner Commitment 81% owner-occupied; Pricing Power 96.8% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $70/month (about $840/yr) · median of 87 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 87 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, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
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. 2 on record.
- 6245 Silver Oaks Drive · off market
- 6634 Northlake Drive · off market
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?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 33542)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| 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.
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.
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See how silver oaks fits the bigger picture — live prices, inventory, and Momentum Scores:
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Explore more neighborhoods near Silver Oaks with Momentum Realty’s local guides.