1645 SANTA BARBARA DRIVE, DUNEDIN, FL, 34698
Active245 days on marketListed Nov 21, 2025MLS #TB8449787
About this home
1645 SANTA BARBARA DRIVE
Exceptional opportunity to secure buildable residential land at a premium value in the heart of Dunedin. This vacant residential lot on the highly sought-after Street of Santa Barbara in the heart of Dunedin offers an unparalleled opportunity to build your dream home with stunning water views, a graded and ready-to-build site, and the convenience of public utilities already connected, resulting in minimal to no impact fees and streamlined permitting with FEMA-compliant building plans available, all within a central, amenity-rich location close to the Pinellas Trial, Downtown/Mainstreet Dunedin, parks, beaches, dining, and shopping.
Facts & features
The home at a glance
0.17 ac
Lot size
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.
$3,881 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,881/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Where it sits
Inside Dunedin
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dunedin. See the full Dunedin guide →
DUNEDIN 34698 — neighborhood snapshot
Population
37,817
Median age
58.1
Median income
$67,323
Median home value
$335,800
Avg household
2.04
Households w/ children
2,412
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)
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 96% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1645 SANTA BARBARA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$282,000
1427 SANTA ANNA DRIVE · same community
2 bd · 1.5 ba · 598 sqft · $472/sqft · 8 DOM
Sold · Sep ’25$270,000
511 SAN JOSE DRIVE · same community
1 bd · 1 ba · 726 sqft · $372/sqft · 94 DOM
Sold · Aug ’25$415,000
1868 DOUGLAS AVENUE · same community
2 bd · 1.5 ba · 728 sqft · $570/sqft · 132 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 1645 SANTA BARBARA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1645 SANTA BARBARA DRIVE — 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
1645 SANTA BARBARA DRIVE FAQs
What would the monthly payment be for 1645 SANTA BARBARA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,881/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 1645 SANTA BARBARA DRIVE?+
The most recent tax bill on record (2025) was $4,000. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Dunedin?+
At $587,000, this home is listed about 47% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1645 SANTA BARBARA DRIVE?+
Dunedin Highland Middle School (middle), Dunedin Elementary School (elementary), Dunedin High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$587,000 runs 96% above the DUNEDIN 34698 median.
02Time on market is leverage
245 days on market against a Dunedin median of 51 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Dunedin Highland Middle School, Dunedin Elementary School, Dunedin High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP · Eamon Bolten. MLS #TB8449787.
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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