1821 OAK CREEK DRIVE, DUNEDIN, FL, 34698
Active52 days on marketListed Jun 11, 2026MLS #TB8516583
About this home
1821 OAK CREEK DRIVE
Welcome to the highly desirable Spanish Trails neighborhood. Discover luxury living in this expansive estate, set on a lush (just under) 1 acre lot, offers 4 spacious bedrooms and 5 bathrooms, perfect for large families and entertaining guests. Dive into relaxation with a huge pool surrounded by stunning tropical landscaping, accompanied by a tiki hut on Oak Creek. Enjoy the serene views from the open kitchen space looking out of the many large windows bringing in an abundance of natural light, multiple living rooms, a bar room and a cozy wood-burning fireplace. This colonial style home has a bunch to offer, starting with the large master bedroom and suite, 2 bedrooms upstairs, a studio suite above the garage and a walk out balcony overlooking the front yard and horseshoe driveway. Real wood cabinetry in the large kitchen with granite countertops in the "chefs" kitchen boasting two refrigerators, two dishwashers, double oven, two cook tops including an "infinite induction cooktop system", wine fridge and detailed architectural moldings/trim! Large gorgeous, landscaped yard, pool area surrounded by natural stone decking and saltwater pool, 2 pergola's covered cabanas with an outside fireplace and pizza over. Detached two car garage with overhanging two car carport and a studio above the garage that can function as an office/extra bedroom/work out room with full bath. Brand new AC units just installed. This one is a must see in person! Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
5
Bathrooms
5,500
Sqft
0.9 ac
Lot size
2
Garage
1968
Year built
Two
Levels
$382
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.
$213,373 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$213,373/mo
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.
$/sqft vs Dunedin actives
$382 vs $298
Days on market
52 vs 51 typical
Where $382/sqft sits among the 262 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)
155 of 262
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 600% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1821 OAK CREEK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,025,000
2111 PADDOCK CIRCLE · same community
5 bd · 3.5 ba · 3,154 sqft · $325/sqft · 0 DOM
Sold · Dec ’25$825,000
1861 ROYAL OAK PLACE E · same community
5 bd · 4 ba · 2,624 sqft · $314/sqft · 124 DOM
Sold · Sep ’25$1,015,000
1870 OAK CREEK DRIVE · same community
4 bd · 4 ba · 2,536 sqft · $400/sqft · 35 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 1821 OAK CREEK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1821 OAK CREEK DRIVE — 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
1821 OAK CREEK DRIVE FAQs
What would the monthly payment be for 1821 OAK CREEK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $213,373/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 1821 OAK CREEK DRIVE?+
The most recent tax bill on record (2025) was $2,413,132. 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 1821 OAK CREEK DRIVE?+
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 $2,100,000, this home is listed about 427% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1821 OAK CREEK DRIVE?+
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
$2,100,000 runs 600% above the DUNEDIN 34698 median — but at 5,500 sqft it's also nearly 5 times the size of 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 $2,200,000, now $2,100,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Sean Sebastien. MLS #TB8516583.
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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