632 EDGEWATER DRIVE UNIT 135, DUNEDIN, FL, 34698
Active183 days on marketListed Jan 21, 2026MLS #TB8466464
About this home
632 EDGEWATER DRIVE UNIT 135
Discover the perfect coastal retreat at 632 Edgewater Drive #135. This stunning residence offers a rare advantage: it is one of the very few units in the entire complex located on the ground level with its own private porch. Forget the elevators and stairs—step directly from your personal outdoor oasis into a lifestyle of effortless accessibility and charm. The interior has been beautifully transformed into a true turn-key home. The open floor plan flows over brand-new, high-quality flooring into a designer kitchen complete with granite countertops and new stainless steel appliances. Both bathrooms have been refreshed with stylish new vanities, ensuring every inch of this home feels modern and bright. Located in one of Dunedin’s premier waterfront communities, you are just steps from the heated community pool and the scenic shores of St. Joseph Sound. Enjoy the best of Dunedin living with a short stroll to the Pinellas Trail and the award-winning restaurants, breweries, and boutiques of Downtown Dunedin. You won’t find another ground-floor unit in this complex with this level of finish and a private porch at this price. Schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,330
Sqft
0.38 ac
Lot size
1973
Year built
One
Levels
$300
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.
$3,105 /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
$3,105/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
−10.5%
$/sqft vs Dunedin actives
$300 vs $295
Days on market
183 vs 51 typical
Where $300/sqft sits among the 264 Dunedin actives
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 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)
153 of 264
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 632 EDGEWATER DRIVE UNIT 135
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$380,000
632 EDGEWATER DRIVE UNIT 433 · same community
2 bd · 2 ba · 1,425 sqft · $267/sqft · 112 DOM
Sold · Apr ’26$167,000
632 EDGEWATER DRIVE UNIT 437 · same community
1 bd · 1 ba · 695 sqft · $240/sqft · 18 DOM
Sold · Jun ’26$290,000
1920 CARLOS AVENUE
3 bd · 1.5 ba · 1,344 sqft · $216/sqft · 0 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 632 EDGEWATER DRIVE UNIT 135 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 632 EDGEWATER DRIVE UNIT 135 — 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
632 EDGEWATER DRIVE UNIT 135 FAQs
What would the monthly payment be for 632 EDGEWATER DRIVE UNIT 135?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,105/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 632 EDGEWATER DRIVE UNIT 135?+
The most recent tax bill on record (2024) was $5,036. 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 632 EDGEWATER DRIVE UNIT 135?+
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 $399,000, this home is priced right at the Dunedin median.
Which schools are assigned to 632 EDGEWATER DRIVE UNIT 135?+
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
Five things that matter here
01Positioned at the premium end
$399,000 runs 33% above the DUNEDIN 34698 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
183 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 Elementary School, Dunedin High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $439,000, now $399,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Jason Duraj Pa. MLS #TB8466464.
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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