
1850 OAK CREEK DRIVE, DUNEDIN, FL, 34698
Active18 days on marketListed Jul 7, 2026MLS #TB8526218
Come see it
Upcoming open house
Sun, Jul 26
12:00 PM – 2:00 PM
About this home
1850 OAK CREEK DRIVE
Dunedin - Hidden beneath a canopy of majestic oaks along the peaceful banks of Curlew Creek, this extraordinary Spanish-inspired estate is a rare expression of architectural artistry, timeless craftsmanship, and refined Florida living. Situated on nearly 1.5 secluded acres in the coveted Spanish Trails community, the residence offers almost 5,300 square feet of beautifully curated living space where every detail has been thoughtfully designed to inspire. A private circular drive welcomes you to a home that immediately captivates with authentic character and enduring elegance. Rich reclaimed 114-year-old Pennsylvania oak floors, imported Spanish cedar doors, exposed pecky cypress beams, custom millwork, bay windows, and a magnificent wood-burning fireplace create an atmosphere that is both sophisticated and inviting. Thoughtfully renovated over the years, the home perfectly blends classic architecture with modern luxury. Designed for effortless entertaining and everyday living, the heart of the home is a gourmet chef's kitchen appointed with granite countertops, abundant custom cabinetry, a Sub-Zero refrigerator, and a Wolf gas cooktop. Multiple gathering spaces flow seamlessly throughout the home, while a hidden climate-controlled wine cellar with capacity for approximately 1,000 bottles is sure to impress the discerning collector. The private second level offers five spacious bedrooms, including a serene owner's retreat with two private balconies overlooking the lush grounds and tranquil creek—perfect for enjoying morning coffee or evening sunsets in complete privacy. Step outside to an exceptional outdoor sanctuary. An expansive screened lanai with Spanish tile flooring, a natural gas grilling station, and a granite serving bar overlooks the sparkling pebble-finish pool. Beyond, a freestanding entertainment pavilion with bar seating, an expansive deck, and a children's play area provides endless opportunities for gathering with family and friends. A charming bridge crosses picturesque Curlew Creek, leading to a private secondary green space where towering oaks and mature landscaping create the feeling of your own botanical park. Modern conveniences, including dual-zone Trane HVAC systems, updated electrical, and an oversized attached garage, blend seamlessly into the home's timeless design. Located in desirable Flood Zone X, this remarkable estate offers exceptional privacy just minutes from downtown Dunedin, marinas, boutique shopping, acclaimed restaurants, the Pinellas Trail, and the award-winning Gulf beaches. Homes of this caliber are seldom available. Rich in character, surrounded by nature, and crafted with uncompromising quality, this is more than an exceptional residence - it is a legacy estate. If you've been searching for a home that offers extraordinary privacy, timeless design, and a setting unlike any other in Dunedin, this is your opportunity. Schedule your private tour today and experience the beauty, serenity, and exceptional craftsmanship of 1850 Oak Creek Drive for yourself.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
5,275
Sqft
1.45 ac
Lot size
3
Garage
1973
Year built
Two
Levels
$379
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.
$12,887 /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
$12,887/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
$379 vs $297
Days on market
18 vs 51 typical
Where $379/sqft sits among the 270 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)
159 of 270
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 566% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1850 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 1850 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 1850 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
1850 OAK CREEK DRIVE FAQs
What would the monthly payment be for 1850 OAK CREEK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,887/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 1850 OAK CREEK DRIVE?+
The most recent tax bill on record (2025) was $14,294. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Dunedin?+
At $1,999,000, this home is listed about 402% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1850 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
Three things that matter here
01Positioned at the premium end
$1,999,000 runs 566% above the DUNEDIN 34698 median — but at 5,275 sqft it's also nearly 4 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
Dunedin Highland Middle School, Dunedin Elementary School, Dunedin High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Michael Lauer. MLS #TB8526218.
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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