1081 MCFARLAND STREET, DUNEDIN, FL, 34698
Active12 days on marketListed Jul 21, 2026MLS #TB8531185
About this home
1081 MCFARLAND STREET
Virtually Staged. Opportunity knocks in one of Dunedin's most desirable golf cart friendly neighborhoods! This 4 bedroom, 2 bathroom home has some amazing potential!! The bright living room greets you with warm natural light, separate family room and dining area. Kitchen over looks the pool and yard! Added Bonus/FL room. The split floor plan gives the primary suite its own privacy complete with generous closet & walk in shower. 3 spacious bedrooms on the opposite side ensure comfort and privacy for family or guests. If you've been looking for a home with incredible potential at an attractive entry price, this is it. While the home could benefit from some cosmetic updates, it offers outstanding bones, a functional floor plan, and a spacious backyard complete with a sparkling pool, large deck and covered area to entertain. This home provides the perfect canvas to make it your own. Major improvements have already been taken care of, including a new roof (2020), 6 yr HVAC system and an irrigation system supplied by reclaimed water to help keep landscaping costs down. Built with quality construction that's stood the test of time, these homes are known for their solid craftsmanship and durability. Bring your vision and unlock the potential to create your dream home while building equity in a sought-after location close to everything Dunedin has to offer. This location....simply unbeatable! Less than a block from Hammock Park’s acres of shaded walking trails, and minutes from downtown Dunedin’s vibrant restaurants, breweries, shops, festivals, and waterfront sunsets. Enjoy easy access to Caladesi Island and Honeymoon Island, the Dunedin Golf Club, Pinellas Trail and the Dunedin Blue Jays Stadium. This is more than a home, it’s a lifestyle and every day feels a little like vacation!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,962
Sqft
0.22 ac
Lot size
2
Garage
1971
Year built
One
Levels
$364
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.
$4,446 /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
$4,446/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
−0.6%
$/sqft vs Dunedin actives
$364 vs $298
Days on market
12 vs 51 typical
Where $364/sqft sits among the 262 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)
156 of 262
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 138% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1081 MCFARLAND STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$901,000
1049 MCCARTY STREET · same community
4 bd · 3 ba · 1,962 sqft · $459/sqft · 3 DOM
Sold · Dec ’25$535,000
1101 MCFARLAND STREET · same community
3 bd · 2 ba · 1,907 sqft · $281/sqft · 7 DOM
Sold · Mar ’26$730,000
1101 MCFARLAND STREET · same community
3 bd · 2 ba · 1,907 sqft · $383/sqft · 8 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 1081 MCFARLAND STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1081 MCFARLAND 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
1081 MCFARLAND STREET FAQs
What would the monthly payment be for 1081 MCFARLAND STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,446/mo — principal and interest, the actual property-tax bill, the $2/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 1081 MCFARLAND STREET?+
The association fee works out to $2 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1081 MCFARLAND STREET?+
The most recent tax bill on record (2025) was $1,895. 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 1081 MCFARLAND STREET?+
The listing reports pets: Cats OK, Dogs OK. 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 $715,000, this home is listed about 79% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1081 MCFARLAND 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.
The brief
Three things that matter here
01Positioned at the premium end
$715,000 runs 138% above the DUNEDIN 34698 median — but at 1,962 sqft it's also 66% larger than the typical Dunedin listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 ENGEL & VOLKERS BELLEAIR · Kristin Hallamek. MLS #TB8531185.
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.
Never miss a listing
New Dunedin homes, in your inbox
Like 1081 MCFARLAND STREET but not quite? A daily digest of every new listing in Dunedin — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →