
458 SCOTLAND STREET, DUNEDIN, FL, 34698
Active18 days on marketListed Jul 16, 2026MLS #TB8529820
About this home
458 SCOTLAND STREET
Step back in time and discover one of Downtown Dunedin’s most extraordinary opportunities. Nestled on an exceptionally large approximately 0.60-acre parcel just moments from the heart of downtown, this rare circa-1915 historic home offers a lifestyle that is nearly impossible to recreate. Surrounded by mature trees and lush landscaping, the property feels like a private retreat while placing you just a short stroll from Main Street’s award-winning restaurants, breweries, boutique shopping, waterfront parks, marina, and year-round festivals. From the moment you arrive, the welcoming front porch, charming white picket fence, natural gas lantern, and timeless architectural details create an unforgettable first impression. Inside, rich character abounds with soaring 10-foot ceilings, beautiful heart pine flooring, elegant crown molding, original built-in china cabinetry, and a cozy wood-burning fireplace that serves as the heart of the home. Every room reflects the craftsmanship and warmth of a bygone era while offering the comfort and functionality desired for modern living. Beyond the home’s undeniable charm lies one of its greatest assets—the incredible property itself. The expansive lot provides endless possibilities for enjoying outdoor living, future expansion, or simply embracing the privacy and space that is almost unheard of in Downtown Dunedin. Adding even more value is the spacious detached garage, offering exceptional room for vehicles, storage, hobbies, or a workshop—an increasingly rare feature in the downtown district. Thoughtful updates preserve the home’s historic integrity while providing peace of mind, including an architectural shingle roof (2020), two separate HVAC systems (newest replaced July 2022) with transferable service agreements, solar roof vents, and copper gutters that add both beauty and longevity. The home is also situated approximately 24 feet above sea level according to USGS records. Zoned Downtown Core (DC) Commercial, this unique property offers exceptional flexibility and tremendous long-term potential beyond its current residential use. Whether you envision preserving it as a treasured historic home, creating an income-producing investment, or exploring future possibilities, this is a truly unique opportunity. Buyers should verify all zoning regulations, permitted uses, and future development opportunities directly with the City of Dunedin. Rarely does a property combine historic charm, an oversized lot, a substantial detached garage, incredible versatility, and one of the most desirable locations in Downtown Dunedin. This is more than a home—it’s an opportunity to own a piece of Dunedin’s history while investing in its future. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,308
Sqft
0.6 ac
Lot size
2
Garage
1915
Year built
One
Levels
$845
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.
$11,650 /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
$11,650/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
$845 vs $298
Days on market
18 vs 51 typical
Where $845/sqft sits among the 263 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)
158 of 263
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 539% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 458 SCOTLAND STREET
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$1,675,000
429 SCOTLAND STREET · same community
4 bd · 3 ba · 2,160 sqft · $775/sqft · 95 DOM
Sold · Oct ’25$1,250,000
417 SCOTLAND STREET · same community
4 bd · 3 ba · 2,088 sqft · $599/sqft · 3 DOM
Sold · Nov ’25$899,000
2024 NUGGET DRIVE
3 bd · 3 ba · 2,347 sqft · $383/sqft · 11 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 458 SCOTLAND STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 458 SCOTLAND STREET — 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
458 SCOTLAND STREET FAQs
What would the monthly payment be for 458 SCOTLAND STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,650/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 458 SCOTLAND STREET?+
The most recent tax bill on record (2024) was $2,843. 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 $1,950,000, this home is listed about 389% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 458 SCOTLAND STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KATIE DUCHARME REALTY, LLC · Katie Ducharme Procissi. MLS #TB8529820.
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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