3495 OAK STREET, DUNEDIN, FL, 34698
Active51 days on marketListed Jun 3, 2026MLS #TB8514763
About this home
3495 OAK STREET
Location, Location! Just a short ride to Dunedin Causeway, Honeymoon Island and Caladesi, this 4-bedroom, 2-bath home is the best deal in Dunedin at $236 per sq ft, with just under 2,000 sq ft. Unincorporated Dunedin in X Flood zone, this home is perfectly positioned for seasonal use , short-term rentals or for the next family to love! The bright and open great room creates a welcoming space for everyday living and entertaining. The kitchen offers stainless steel appliances, ample counter space, and multiple dining options to suit your lifestyle, while the living room fireplace serves as a warm and stylish focal point. The spacious primary suite features an updated ensuite bathroom and a walk-in closet, providing a private retreat at the end of the day. Three additional bedrooms share a full bath, with one bedroom offering its own exterior entrance, ideal for a variety of living arrangements, workspace needs, or guest privacy. Outside, enjoy a fenced backyard complete with an above-ground pool, creating the perfect setting for relaxing, entertaining, or enjoying the outdoors. A shed/carport provide added convenience for equipment, and storage needs. Conveniently located near shopping, dining, parks, and major roadways, this home offers easy access to everything the area has to offer.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,948
Sqft
0.14 ac
Lot size
1971
Year built
One
Levels
$231
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.
$3,155 /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
$3,155/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
−25.9%
$/sqft vs Dunedin actives
$231 vs $296
Days on market
51 vs 51 typical
Where $231/sqft sits among the 263 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 263
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 3495 OAK STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$400,000
2233 CURLEW ROAD · same community
2 bd · 2 ba · 1,296 sqft · $309/sqft · 51 DOM
Sold · Jun ’26$363,215
3485 PINE STREET · same community
2 bd · 2 ba · 1,132 sqft · $321/sqft · 96 DOM
Sold · Jul ’25$345,000
3451 PINE STREET · same community
2 bd · 2 ba · 966 sqft · $357/sqft · 94 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 3495 OAK STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3495 OAK STREET — 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
3495 OAK STREET FAQs
What would the monthly payment be for 3495 OAK STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,155/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 3495 OAK STREET?+
The most recent tax bill on record (2025) was $1,774. 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 3495 OAK STREET?+
The listing reports pets: 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 $449,900, this home is listed about 13% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3495 OAK STREET?+
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
$449,900 runs 50% above the DUNEDIN 34698 median — but at 1,948 sqft it's also 65% larger than the typical Dunedin listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $460,000, now $449,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REDFIN CORPORATION · Christine Tatum. MLS #TB8514763.
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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