David Ramirez
$1,850,0005 bd2.5 ba3,299 sqft$561 /sqft$11,527 /mo all-in ↓

1976 DUNLOE CIRCLE, DUNEDIN, FL, 34698

Active20 days on marketListed Jul 3, 2026MLS #TB8525649

WaterfrontPrivate poolSingle Family ResidenceSTIRLING HEIGHTS

Come see it

Upcoming open house

Thu, Jul 23

11:00 AM – 3:00 PM

Broker

Luxury Broker's Open House, all invited to view this beautiful one of a kind hacienda style waterfront lake property home on a .6 acre in Dunedin Florida. This home is full of charm, custom features throughout with French doors leading to the huge 1900+ square foot screened in pool/spa area overlooking the majestic oak trees, meticulously manicured expansive backyard, fire pit and spring fed lake. Come enjoy champagne, wine, refreshments a light lunch while touring and enjoying this property.

About this home

1976 DUNLOE CIRCLE

This home is a complete gem. You cannot duplicate this property, as it is nestled on an oversized 0.60-acre lot in one of Dunedin's most coveted enclaves. This exceptional waterfront residence embodies the rare marriage of timeless charm and spacious living. Majestic oak trees frame the property, while expansive, beautifully landscaped grounds set the stage for the dream that awaits. A wide front porch welcomes you upon arrival, offering plenty of space for rocking chairs and quiet mornings. Upon entering, a spacious hacienda-style first-floor layout reveals a gorgeous great-room floor plan with a fireplace and multiple sets of French doors that wrap around the home, providing beautiful views of the spring-fed lake and opening to the expansive enclosed pool, spa, and patio area. The custom kitchen includes ceramic tile floors, beautiful custom cabinetry, a center island, and granite countertops. High-end appliances complete the kitchen, along with a built-in desk and walk-in pantry. The oversized primary bedroom measures 14' x 37' and includes an area that can be used for exercise, yoga, an office, or a quiet sitting area. French doors lead out to the pool and patio area with views of the lake. The luxurious en-suite primary bath boasts a steam shower, separate his-and-her vanities, and a large soaking tub. The enormous primary closet is fully customized cabinetry, built-in drawers, and abundant storage. Off the kitchen is a large bonus room with direct pool access through French doors that can effortlessly transform into a bedroom, game room, art studio, or whatever your imagination desires. The oversized laundry room includes custom built-in cabinetry and a utility sink. There is also an office with uniquely designed custom cabinetry and a centrally located half bathroom. Upstairs, you will find three additional large bedrooms with dormer windows and plenty of closet space. The full bathroom is beautifully appointed. Step outside to your oversized pool and heated spa, surrounded by quartz tile pavers and completely enclosed within a screened lanai spanning 1,992 square feet. Multiple seating areas provide plenty of places to relax and entertain. Beyond the pool area lies your own private backyard sanctuary. Beautiful, mature oak, mango, Florida apple, and banana trees line a brick-paver path leading to the spring-fed lake, fire pit, and floating dock. You may spot otters, owls, and herons that call this area home. A large three-car garage provides ample space for vehicles, a golf cart, storage, or a workshop. Recent updates include a new spa heater, a whole-home generator installed in 2022 with its own propane tank, two new A/C units installed in 2025, freshly sealed pavers around the pool deck, and a 10-year roof sealant. Location! Ideally situated near Honeymoon Island State Park, the Pinellas Trail, and downtown Dunedin's charming shops, restaurants, and entertainment. The location even allows you to drive your golf cart into downtown Dunedin. This home is unique, unforgettable, and far from the typical cookie-cutter Florida property. A must-see!

Facts & features

The home at a glance

5

Bedrooms

2.5

Bathrooms

3,299

Sqft

0.6 ac

Lot size

3

Garage

1992

Year built

Two

Levels

$561

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Tile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Washer · Water Filtration System
InteriorAttic Fan · Built-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Brick · Wood Siding
FoundationOther · Slab
ViewWater
FacesEast
ParkingOversized · Split Garage
ExteriorFire Pit · French Doors · Irrigation System · Lighting · Other · Private Yard

Community & fees

HOA fee$33/mo
Taxes (2025)$7,893/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Connected · Fire Hydrant · Sewer Available · Sewer Connected · Sprinkler Recycled · Sprinkler Well · Street Lights
WaterPublic

The numbers

What it really costs

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

$11,527 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,983
PMI (est., until 20% equity)$694
Property tax — 2025 actual bill$658
HOA fee — from the listing$33
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $185,000Loan30-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% · $185,000
Interest rate6.00%
Loan term

Estimated payment

$11,527/mo

Principal & interest$9,983
PMI (est., until 20% equity)$694
Property taxes (actual bill)$658
HOA / condo fee$33
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 $1.9M
$799KedgeAI estimate $982,286 · range $832K$1.2M$1.9M

vs edgeAI estimate

+88.3%

$/sqft vs Dunedin actives

$561 vs $296

Days on market

20 vs 51 typical

Where $561/sqft sits among the 264 Dunedin actives

79
71
55
25
14 · this home
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 Stirling Heights

Map of 1976 DUNLOE CIRCLE inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)32 min
Downtown Tampa36 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Dunedin. See the full Dunedin guide →

Stirling Heights — neighborhood snapshot

Population

649

Median age

66

Median income

$75,188

Median home value

$451,600

Avg household

2

Households w/ children

66%

For the school run

Pinellas County School District

ElementaryGarrison-Jones Elementary School★★★★
HighDunedin High School★★★★★
MiddlePalm Harbor Middle 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)

153 of 264

Dunedin actives have cut their price

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

This home is listed 517% above the DUNEDIN 34698 median. See the full Dunedin market guide →

Paper trail

This home's history

Jul 3, 2026Listed at $1,850,000 · 20 days on market since
1992Built · STIRLING HEIGHTS

Reality check

What actually sold near 1976 DUNLOE CIRCLE

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

1988 DUNBRODY CTSold · Jan ’26

$805,000

1988 DUNBRODY CT · same community

3 bd · 2 ba · 2,472 sqft · $326/sqft · 83 DOM

1955 DUNLOE CIRCLESold · Dec ’25

$825,000

1955 DUNLOE CIRCLE · same community

3 bd · 3 ba · 2,332 sqft · $354/sqft · 8 DOM

2013 WATER WHEEL COURTSold · Jun ’26

$1,325,000

2013 WATER WHEEL COURT

4 bd · 3 ba · 3,316 sqft · $400/sqft · 4 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 1976 DUNLOE CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1976 DUNLOE CIRCLE — 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

1976 DUNLOE CIRCLE FAQs

What would the monthly payment be for 1976 DUNLOE CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,527/mo — principal and interest, the actual property-tax bill, the $33/mo association fee 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.

How much are the HOA fees at 1976 DUNLOE CIRCLE?+

The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1976 DUNLOE CIRCLE?+

The most recent tax bill on record (2025) was $7,893. 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 1976 DUNLOE CIRCLE?+

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 $1,850,000, this home is listed about 364% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.

Which schools are assigned to 1976 DUNLOE CIRCLE?+

Garrison-Jones Elementary School (elementary), Dunedin High School (high), Palm Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,850,000 runs 517% above the DUNEDIN 34698 median — but at 3,299 sqft it's also nearly 3 times the size of the typical Dunedin listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Garrison-Jones Elementary School, Dunedin High School, Palm Harbor Middle School — Garrison-Jones Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of EXP REALTY LLC · Nathaniel Joyer. MLS #TB8525649.

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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