
1976 DUNLOE CIRCLE, DUNEDIN, FL, 34698
Active20 days on marketListed Jul 3, 2026MLS #TB8525649
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
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 and the real association fee — not generic estimates.
$11,527 /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
$11,527/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.
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
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
Drive times from this address
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
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 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
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.
Sold · Jan ’26$805,000
1988 DUNBRODY CT · same community
3 bd · 2 ba · 2,472 sqft · $326/sqft · 83 DOM
Sold · Dec ’25$825,000
1955 DUNLOE CIRCLE · same community
3 bd · 3 ba · 2,332 sqft · $354/sqft · 8 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1976 DUNLOE CIRCLE — start here.

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.
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.
Keep looking
Similar homes nearby
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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