946 VIRGINIA STREET UNIT 104, DUNEDIN, FL, 34698
Active23 days on marketListed Jul 13, 2026MLS #TB8528946
About this home
946 VIRGINIA STREET UNIT 104
Waterfront Sunsets Await! First-Floor Condo in Heather Lake | 55+ Dunedin Community. Welcome to your own peaceful retreat in the highly desirable community of Heather Lake in beautiful Dunedin! This charming first-floor 1-bedroom, 1-bath condominium offers breathtaking pond views where you can relax with your morning coffee, watch ducks glide across the water, and end each day with spectacular Florida sunsets from your own backyard. Ideally located just minutes from vibrant Downtown Dunedin, you'll enjoy award-winning restaurants, boutique shopping, breweries, year-round festivals, and the popular Downtown Dunedin Farmers Market. Outdoor enthusiasts will love being just a short drive from the world-famous Honeymoon Island State Park, the Pinellas Trail, beautiful Gulf beaches, and endless opportunities for boating, kayaking, biking, and nature walks. Whether you're looking for a full-time residence or a seasonal Florida getaway, this move-in-ready condo offers the perfect combination of peaceful waterfront living and an active coastal lifestyle. Don't miss your opportunity to own an affordable slice of paradise in one of Dunedin's most sought-after communities!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
770
Sqft
0 ac
Lot size
1975
Year built
One
Levels
$194
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.
$1,777 /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
$1,777/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
+2.8%
$/sqft vs HEATHER LAKE APTS CONDO
$194 vs $158
Days on market
23 vs 46 typical
Where $194/sqft sits among the 11 homes for sale in HEATHER LAKE APTS CONDO
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 Heather Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dunedin. See the full Dunedin guide →
Heather Lake — neighborhood snapshot
Population
371
Median age
64
Median income
$56,125
Median home value
$153,900
Avg household
2
Households w/ children
17%
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
$455K → $463K
Dunedin median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
6 of 11
HEATHER LAKE APTS CONDO have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% below the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 946 VIRGINIA STREET UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$119,000
920 VIRGINIA STREET UNIT 204 · same community
1 bd · 1 ba · 768 sqft · $155/sqft · 10 DOM
Sold · May ’26$94,000
821 PATRICIA AVENUE UNIT 106 · same community
1 bd · 1 ba · 758 sqft · $124/sqft · 90 DOM
Sold · Mar ’26$95,000
960 VIRGINIA STREET UNIT 307 · same community
1 bd · 1 ba · 800 sqft · $119/sqft · 88 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 946 VIRGINIA STREET UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 946 VIRGINIA STREET UNIT 104 — 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
946 VIRGINIA STREET UNIT 104 FAQs
What would the monthly payment be for 946 VIRGINIA STREET UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,777/mo — principal and interest, the actual property-tax bill, the $537/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 946 VIRGINIA STREET UNIT 104?+
The association fee works out to $537 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 946 VIRGINIA STREET UNIT 104?+
The most recent tax bill on record (2025) was $1,640. 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 946 VIRGINIA STREET UNIT 104?+
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 $149,000, this home is listed about 63% below the Dunedin median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 946 VIRGINIA STREET UNIT 104?+
Dunedin Highland Middle School (middle), Dunedin High School (high), Garrison-Jones Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the DUNEDIN 34698 market on paper
$149,000 is 51% below the DUNEDIN 34698 median of $304,950, and at $194/sqft it sits under the Dunedin average of $325.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $537/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Dunedin Highland Middle School, Dunedin High School, Garrison-Jones Elementary School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA LUXURY REALTY INC · Stephanie Goode. MLS #TB8528946.
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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