840 VIRGINIA STREET UNIT 303, DUNEDIN, FL, 34698
Active90 days on marketListed May 8, 2026MLS #TB8494323
About this home
840 VIRGINIA STREET UNIT 303
One or more photos have been virtually staged. Walk to Downtown Dunedin from this perfectly situated home in the highly desirable 55+ community of Patrician Oaks. This top floor unit is peaceful and private with a view of gorgeous Oak trees and park like spaces. Updates include a new roof in 2023, New HVAC in 2021 and 5 hurricane impact windows in 2015 and stainless steel appliances in the kitchen.. This spacious two bedroom one bath has just over 1000 sq ft and is just waiting for your finishing touches. The kitchen has plenty of storage and a pass-thru window that opens up into your large dining area and expansive living room, both perfect for entertaining. The primary bedroom can fit a king sized bed and there's plenty of storage with two double closets. The second bedroom is large enough to double as a place for guests and an office space. When you step through your sliders onto your private screened in lanai, you will be drawn in by the stillness and quiet. The large Oaks provide a privacy that makes you feel relaxed. Its the perfect spot for that morning coffee or afternoon tea, A secret oasis all your own. There's also your own covered parking space right across from the elevator! The community heated pool and clubhouse are steps away through a garden and wooden bridge. Enjoy the heated spa after a long day or meet friends at the clubhouse or fitness room. The monthly fee includes cable, water, sewer, trash, grounds maintenance and more. There's also a free laundry room for the building with ample washers and dryers for your convenience. Bike or walk to downtown and enjoy all the special spots in Dunedin known for, Whether it be the many cafes and restaurants, shops, breweries, art festivals, concerts, movies in the park or sunsets at the Marina. You'll realize that you've really found your piece of paradise..
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,004
Sqft
0 ac
Lot size
1977
Year built
One
Levels
$119
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.
$1,114 /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
$1,114/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
−20%
$/sqft vs Dunedin actives
$119 vs $301
Days on market
90 vs 46 typical
Where $119/sqft sits among the 252 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 Patrician Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dunedin. See the full Dunedin guide →
Patrician Oaks — neighborhood snapshot
Population
739
Median age
69
Median income
$38,646
Median home value
$152,000
Avg household
1
Households w/ children
12%
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
$455K → $463K
Dunedin median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
151 of 252
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 62% below the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 840 VIRGINIA STREET UNIT 303
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$124,000
820 VIRGINIA STREET UNIT 206 · same community
2 bd · 1 ba · 1,004 sqft · $124/sqft · 26 DOM
Sold · Nov ’25$130,000
845 MAPLE COURT UNIT 103 · same community
2 bd · 1 ba · 1,004 sqft · $129/sqft · 118 DOM
Sold · Jul ’26$110,000
820 VIRGINIA STREET UNIT 207 · same community
2 bd · 1 ba · 1,004 sqft · $110/sqft · 546 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 840 VIRGINIA STREET UNIT 303 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 840 VIRGINIA STREET UNIT 303 — 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
840 VIRGINIA STREET UNIT 303 FAQs
What would the monthly payment be for 840 VIRGINIA STREET UNIT 303?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,114/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 840 VIRGINIA STREET UNIT 303?+
The most recent tax bill on record (2025) was $2,409. 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 840 VIRGINIA STREET UNIT 303?+
The listing reports pets: Cats OK. 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 $119,000, this home is listed about 70% below the Dunedin median of $398,000. The market section on this page shows how the area is trending.
Which schools are assigned to 840 VIRGINIA STREET UNIT 303?+
Dunedin Highland Middle School (middle), Dunedin High School (high), San Jose Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the DUNEDIN 34698 market on paper
$119,000 is 62% below the DUNEDIN 34698 median of $309,900, and at $119/sqft it sits under the Dunedin average of $323.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Dunedin Highland Middle School, Dunedin High School, San Jose Elementary School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $131,900, now $119,000 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REHM REALTY GROUP LLC · Debra Martin. MLS #TB8494323.
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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