Silver Oaks
Homes for Sale in Zephyrhills, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
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 · 231 days
Active · 63 days
Active · 55 days
Active · 287 days
Active · 1 days
Pending · 101 days
Pending · 26 daysActive and pending Silver Oaks listings as of 2026-10-05, 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 September 20, 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).
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.
19% of homes for sale in ZIP 33542 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 (2026-09-20).
Silver Oaks Market Scorecard
Silver Oaks is currently a buyer-leaning market. About 8.8 months of supply, a median asking price of $314,950, and homes go under contract in about 71 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. 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 October 2026 through October 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.
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.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 homes for sale in Silver Oaks on the map →
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?
Nearby Communities
Explore more neighborhoods near Silver Oaks with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 5, 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.
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: