David Ramirez
$850,000$889,0003 bd2.5 ba2,312 sqft$368 /sqft$5,830 /mo all-in ↓

1340 BAYSHORE BOULEVARD UNIT 502, DUNEDIN, FL, 34698

Active129 days on marketListed Mar 18, 2026MLS #TB8487905

Reduced $39KTownhouseSAN RUFFINO II CONDO

About this home

1340 BAYSHORE BOULEVARD UNIT 502

Welcome to San Ruffino Phase II, an elegant three-story luxury townhome offering 3 bedrooms, 2.5 bathrooms, an in-home elevator, and just under 2,400 square feet of beautifully designed living space, located within one of Downtown Dunedin’s most exclusive waterfront gated communities. With only 28 residences in the entire neighborhood, opportunities to own here are exceptionally rare. Completed in 2023 and built to Miami-Dade hurricane standards, this exceptional home blends quality construction, refined finishes, and effortless coastal living. From the moment you arrive, the home makes a lasting impression. Concrete block construction, hurricane-impact windows and doors, and a timeless clay tile roof provide both durability and peace of mind, while the private walk-up entrance and spacious two-car garage offer the feel of a single-family home. The convenience of an in-home elevator connecting all three levels ensures comfortable and accessible living. Step inside and discover a home where every detail has been thoughtfully elevated. French oak wood flooring, custom plantation shutters, elegant metal banisters, and a striking stone accent wall create a sophisticated yet inviting atmosphere. The entry patio has been beautifully tiled to match the foyer, and the home features custom built-ins, finished bedroom closets, and a fully upgraded pantry complete with built-in storage and a handmade pot rack. Phantom retractable screens on both verandas allow you to enjoy the fresh coastal breeze while maintaining privacy and comfort. At the center of the home is a gourmet chef’s kitchen designed for both entertaining and everyday living. Featuring quartz countertops, solid wood cabinetry, and premium Fulgor Milano appliances, including a state-of-the-art induction cooktop, refrigerator, dishwasher, and microwave, the space delivers both beauty and top-tier performance. Quartz finishes continue throughout the bathrooms, while low-energy lighting enhances the home’s modern efficiency. Beyond the walls of the home lies a lifestyle few communities can offer. San Ruffino residents enjoy resort-style waterfront amenities, including a sparkling pool, hot tub, fishing dock, and kayak and paddleboard launch. Just steps away, the Pinellas Trail provides access to more than 75 miles of scenic biking and walking paths, while the shops, restaurants, breweries, marina, and year-round festivals of Downtown Dunedin are only an eight-minute walk away. With both eastern and western exposures, the home is filled with natural light throughout the day. Adjacent to the property is the peaceful Wilson Street waterfront park, shaded by majestic oak trees and offering tranquil green space along the water. Offering more space and privacy than a traditional condominium with far less maintenance than a single-family home, this residence is ideal as a full-time home, seasonal retreat, or lock-and-leave coastal getaway. The HOA includes waterfront living insurance, providing additional value and peace of mind! San Ruffino Phase II represents the perfect blend of luxury, lifestyle, and location—an exceptional opportunity to experience waterfront living in one of Dunedin’s most coveted communities. Furniture may be included. Schedule your showing today!

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,312

Sqft

2

Garage

2023

Year built

Three Or More

Levels

$368

Per sqft

NegotiablePets allowed

Inside

FlooringCeramic Tile · Hardwood
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Washer · Water Softener · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Gas Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionStucco
FoundationBlock · Slab
FacesEast
ExteriorBalcony · Lighting · Sliding Doors

Community & fees

Taxes (2024)$9,171/yr
PetsDogs OK, Yes
CommunityIntracoastal Waterway · Water Access · Waterfront · Buyer Approval Required · Deed Restrictions · Gated Community - No Guard · Golf Carts OK · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Sewer Available · Sewer Connected · Street Lights · 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.

$5,830 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,587
PMI (est., until 20% equity)$319
Property tax — 2024 actual bill$764
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $85,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $85,000
Interest rate6.00%
Loan term

Estimated payment

$5,830/mo

Principal & interest$4,587
PMI (est., until 20% equity)$319
Property taxes (actual bill)$764
Est. insurance$160

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.

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 $850K
$735KedgeAI estimate $792,456 · range $766K$814K$884K

vs edgeAI estimate

+7.3%

$/sqft vs Dunedin actives

$368 vs $297

Days on market

129 vs 51 typical

Where $368/sqft sits among the 270 Dunedin actives

80
72
58 · this home
27
13
20
$144–228$228–312$312–395$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 1340 BAYSHORE BOULEVARD UNIT 502

Drive times from this address

Tampa Int’l Airport (TPA)34 min
Downtown Tampa37 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)

157 of 270

Dunedin actives have cut their price

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

This home is listed 183% above the DUNEDIN 34698 median. See the full Dunedin market guide →

Paper trail

This home's history

CurrentPrice reduced to $850,000 $39K
Mar 18, 2026Listed at $889,000 · 129 days on market since
2023Built · SAN RUFFINO II CONDO

Reality check

What actually sold near 1340 BAYSHORE BOULEVARD UNIT 502

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

1340 BAYSHORE BOULEVARD UNIT 502Sold · Oct ’25

$815,000

1340 BAYSHORE BOULEVARD UNIT 502 · same community

3 bd · 2.5 ba · 2,312 sqft · $353/sqft · 97 DOM

515 DOUGLAS PLACESold · Jan ’26

$940,000

515 DOUGLAS PLACE

4 bd · 3.5 ba · 2,415 sqft · $389/sqft · 45 DOM

266 LYNDHURST STREETSold · Feb ’26

$850,000

266 LYNDHURST STREET

2 bd · 2 ba · 2,104 sqft · $404/sqft · 126 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 1340 BAYSHORE BOULEVARD UNIT 502 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1340 BAYSHORE BOULEVARD UNIT 502 — 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

1340 BAYSHORE BOULEVARD UNIT 502 FAQs

What would the monthly payment be for 1340 BAYSHORE BOULEVARD UNIT 502?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,830/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 1340 BAYSHORE BOULEVARD UNIT 502?+

The most recent tax bill on record (2024) was $9,171. 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 1340 BAYSHORE BOULEVARD UNIT 502?+

The listing reports pets: Dogs OK, Yes. 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 $850,000, this home is listed about 113% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.

Which schools are assigned to 1340 BAYSHORE BOULEVARD UNIT 502?+

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

$850,000 runs 183% above the DUNEDIN 34698 median — but at 2,312 sqft it's also nearly twice the size of the typical Dunedin listing.

02Time on market is leverage

129 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.

04The price has already moved

Listed at $889,000, now $850,000 — a $39K cut. The full history is in the market section below.

Listing courtesy of KATIE DUCHARME REALTY, LLC · Katie Ducharme Procissi. MLS #TB8487905.

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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