433 S PAULA DRIVE UNIT 18, DUNEDIN, FL, 34698
Active3 days on marketListed Jul 22, 2026MLS #TB8531478
About this home
433 S PAULA DRIVE UNIT 18
Welcome to your new light-filled waterfront retreat on the breathtaking Dunedin Causeway! This beautifully updated condo offers the perfect blend of coastal elegance and effortless Florida living. Featuring luxury vinyl plank flooring, stunning granite countertops, crisp white Shaker-style cabinetry with soft-close doors and drawers, and gleaming stainless steel appliances, this home is both stylish and functional. The open-concept kitchen and living area create a warm and inviting space perfect for everyday living and entertaining. The oversized kitchen island provides ample workspace and serves as the perfect gathering spot. The living room opens to your balcony overlooking an intracoastal canal, where dolphins, manatees, sea turtles, and otters are often seen enjoying the tranquil waters. Electric panel and cast irons pipes have been updated/replaced Step onto the sun-dappled balcony, breathe in the fresh salt air, and take in breathtaking panoramic sunsets over the water. A perfect place to relax and enjoy the beauty of Florida's endless horizons. Upstairs, you'll find two spacious bedrooms, each featuring its own ensuite bathroom for privacy and convenience. Both bedrooms offer generous wall-to-wall closets and beautiful picture windows that bring in natural light. The windows and sliding glass doors were upgraded to hurricane-grade in 2018, providing added peace of mind. Enjoy resort-style amenities with a sparkling saltwater pool, perfect for unwinding after a day at the beach. The clubhouse is currently undergoing renovations, adding to the community's future appeal. Located on the iconic Dunedin Causeway, this home places you just minutes from the crown jewel of the area, award winning Honeymoon Island State Park! Enjoy pristine white sand beaches, nature trails, picnic pavilions, playgrounds, and even a dog-friendly beach. Experience the best of waterfront living, outdoor adventure, and the laid-back coastal lifestyle Dunedin is famous for.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,290
Sqft
2 ac
Lot size
1975
Year built
Two
Levels
$279
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.
$4,036 /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
$4,036/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
+42.4%
$/sqft vs Dunedin actives
$279 vs $298
Days on market
3 vs 51 typical
Where $279/sqft sits among the 265 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 265
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 433 S PAULA DRIVE UNIT 18
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$200,000
433 S PAULA DRIVE UNIT 21 · same community
2 bd · 2.5 ba · 1,290 sqft · $155/sqft · 69 DOM
Sold · Jul ’26$655,000
433 S PAULA DRIVE UNIT 31 · same community
3 bd · 2.5 ba · 1,755 sqft · $373/sqft · 124 DOM
Sold · Mar ’26$580,000
433 S PAULA DRIVE UNIT 34 · same community
2 bd · 2.5 ba · 1,755 sqft · $330/sqft · 60 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 433 S PAULA DRIVE UNIT 18 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 433 S PAULA DRIVE UNIT 18 — 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
433 S PAULA DRIVE UNIT 18 FAQs
What would the monthly payment be for 433 S PAULA DRIVE UNIT 18?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,036/mo — principal and interest, the actual property-tax bill, the $1,090/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 433 S PAULA DRIVE UNIT 18?+
The association fee works out to $1,090 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 433 S PAULA DRIVE UNIT 18?+
The most recent tax bill on record (2025) was $6,085. 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 433 S PAULA DRIVE UNIT 18?+
The listing reports pets: Size Limit, 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 $360,000, this home is listed about 10% below the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 433 S PAULA DRIVE UNIT 18?+
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
Five things that matter here
01Positioned at the premium end
$360,000 runs 20% above the DUNEDIN 34698 median.
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 $1,090/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 3 days on market in a Dunedin market that averages 51 — if it fits, move quickly.
05Strong 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 CENTURY 21 INTEGRA · Michelle Elsesser. MLS #TB8531478.
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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