David Ramirez
$340,0002 bd2 ba1,141 sqft$298 /sqft$2,591 /mo all-in ↓

7 DUNOON PLACE Unit 104, DUNEDIN, FL, 34698

Active140 days on marketListed Mar 5, 2026MLS #TB8483513

WaterfrontCondominiumROYAL STEWART ARMS INC. DUNOON BLDG 3

About this home

7 DUNOON PLACE Unit 104

Now available! NEWLY remodeled, ground floor, waterfront 2 bedroom 2 bath gem has it all! Location location location! Just yards away from the entrance to award winning Honeymoon Island State park with sumptuous white sugar sand beaches and hiking and biking trails! Ferry dock to world class Caladesi Island leaves from there too! Inside this beauty is brand new! Appliance suite, cabinets, stone countertops 18 X 18 tile throughout with 6 Inch baseboards to top them off! Just 15-20 feet out your back door you can relax to the sound of the Gulf waters lapping along the seawall. Watch dolphins play as Snook, Trout, Redfish hunt along the seawall. Royal Stewart Arms community has a freshly remodeled Waterfront clubhouse with fitness area, Billiards room, and luxury gas fireplace in the entertainment area. Pool, Pickleball, Tennis and shuffleboard, Horseshoe pit and bocce are some of your waterfront activities to enjoy! Start living the easy life!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,141

Sqft

2.02 ac

Lot size

1970

Year built

One

Levels

$298

Per sqft

WaterfrontWater view55+ community

Inside

FlooringTile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryCommon Area · Same Floor As Condo Unit
CoolingCentral Air · Humidity Control
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingGuest
ExteriorSidewalk · Storage

Community & fees

Taxes (2025)$3,353/yr
PetsNo
CommunityFishing · Waterfront · Buyer Approval Required · Clubhouse · Deed Restrictions · Fitness Center · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Natural Gas Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,591 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,002
FHA mortgage insurance (est.)$150
Property tax — 2025 actual bill$279
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,900
Interest rate6.00%
Loan term

Estimated payment

$2,591/mo

Principal & interest$2,002
FHA mortgage insurance (est.)$150
Property taxes (actual bill)$279
Est. insurance$160

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.

List $340K
$239KedgeAI estimate $285,310 · range $249K$334K$354K

vs edgeAI estimate

+19.2%

$/sqft vs Dunedin actives

$298 vs $297

Days on market

140 vs 51 typical

Where $298/sqft sits among the 265 Dunedin actives

78
70 · this home
57
25
15
20
$143–227$227–311$311–395$395–479$479–563$563+

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

Map of 7 DUNOON PLACE Unit 104

Drive times from this address

Tampa Int’l Airport (TPA)40 min
Downtown Tampa43 min

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

MiddleDunedin Highland Middle School★★★★
ElementaryDunedin Elementary School★★★★
HighDunedin High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Dunedin market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$440K$410K

Dunedin median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

158 of 265

Dunedin actives have cut their price

Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 13% above the DUNEDIN 34698 median. See the full Dunedin market guide →

Paper trail

This home's history

Mar 5, 2026Listed at $340,000 · 140 days on market since
1970Built · ROYAL STEWART ARMS INC. DUNOON BLDG 3

Reality check

What actually sold near 7 DUNOON PLACE Unit 104

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

7 DUNOON PLACE UNIT 306Sold · Apr ’26

$325,000

7 DUNOON PLACE UNIT 306

2 bd · 2 ba · 1,141 sqft · $285/sqft · 194 DOM

7 DUNOON PLACE UNIT 111Sold · May ’26

$165,000

7 DUNOON PLACE UNIT 111

2 bd · 2 ba · 1,141 sqft · $145/sqft · 72 DOM

9 FORBES PLACE UNIT 211Sold · Apr ’26

$175,000

9 FORBES PLACE UNIT 211

2 bd · 2 ba · 1,181 sqft · $148/sqft · 66 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 7 DUNOON PLACE Unit 104 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 7 DUNOON PLACE Unit 104 — 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.

Goes straight to David’s phone and CRM.

Straight answers

7 DUNOON PLACE Unit 104 FAQs

What would the monthly payment be for 7 DUNOON PLACE Unit 104?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,591/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 7 DUNOON PLACE Unit 104?+

The most recent tax bill on record (2025) was $3,353. 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 7 DUNOON PLACE Unit 104?+

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 $340,000, this home is listed about 15% below the Dunedin median of $398,500. The market section on this page shows how the area is trending.

Which schools are assigned to 7 DUNOON PLACE Unit 104?+

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

Four things that matter here

01Positioned at the premium end

$340,000 runs 13% 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

140 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.

Listing courtesy of CENTURY 21 INTEGRA · Michelle Elsesser. MLS #TB8483513.

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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