940 VIRGINIA STREET UNIT 304, DUNEDIN, FL, 34698
Active478 days on marketListed Apr 12, 2025MLS #TB8373368
About this home
940 VIRGINIA STREET UNIT 304
Sweet and charming condo new to the market! Updated bathroom! Gorgeous views of the water out back. Enjoy a cup of coffee in the morning while watching the sunshine glisten on the water. Light and bright and ready for you to make your own. Location is also perfect! Condo is close to Downtown Dunedin, trails, restaurants, grocery stores, famous Honeymoon Island and so much more. Did you know Dunedin is also the spring training homes of the Toronto Blue Jays and Philadelphia Philllies? Don't miss this opportunity! Call today for a showing!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
760
Sqft
1.17 ac
Lot size
1974
Year built
One
Levels
$146
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,033 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,033/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−0.9%
$/sqft vs HEATHER LAKE APTS CONDO
$146 vs $161
Days on market
478 vs 51 typical
Where $146/sqft sits among the 11 homes for sale in HEATHER LAKE APTS CONDO
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Heather Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dunedin. See the full Dunedin guide →
Heather Lake — neighborhood snapshot
Population
371
Median age
64
Median income
$56,125
Median home value
$153,900
Avg household
2
Households w/ children
17%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dunedin market
$440K → $410K
Dunedin median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
5 of 11
HEATHER LAKE APTS CONDO have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 63% below the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 940 VIRGINIA STREET UNIT 304
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$94,000
821 PATRICIA AVENUE UNIT 106 · same community
1 bd · 1 ba · 758 sqft · $124/sqft · 90 DOM
Sold · Aug ’25$119,000
920 VIRGINIA STREET UNIT 204 · same community
1 bd · 1 ba · 768 sqft · $155/sqft · 10 DOM
Sold · Mar ’26$95,000
960 VIRGINIA STREET UNIT 307 · same community
1 bd · 1 ba · 800 sqft · $119/sqft · 88 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 940 VIRGINIA STREET UNIT 304 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 940 VIRGINIA STREET UNIT 304 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
940 VIRGINIA STREET UNIT 304 FAQs
What would the monthly payment be for 940 VIRGINIA STREET UNIT 304?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,033/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 940 VIRGINIA STREET UNIT 304?+
The most recent tax bill on record (2024) was $2,050. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 940 VIRGINIA STREET UNIT 304?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Dunedin?+
At $111,000, this home is listed about 72% below the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 940 VIRGINIA STREET UNIT 304?+
Dunedin Highland Middle School (middle), Dunedin High School (high), Garrison-Jones Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the DUNEDIN 34698 market on paper
$111,000 is 63% below the DUNEDIN 34698 median of $300,000, and at $146/sqft it sits under the Dunedin average of $330.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
478 days on market against a Dunedin median of 51 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Dunedin Highland Middle School, Dunedin High School, Garrison-Jones Elementary School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $137,000, now $111,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY PORTFOLIO COLLECTION · Terri Anneken. MLS #TB8373368.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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