845 SKY LOCH DRIVE S, DUNEDIN, FL, 34698
Active4 days on marketListed Jul 23, 2026MLS #TB8532132
About this home
845 SKY LOCH DRIVE S
Come inside—it’s gorgeous in here! Welcome to this beautifully renovated waterfront 1-bedroom, 1.5-bath, ground-level villa where every detail has been thoughtfully designed to create a stylish, move-in-ready retreat. Located just a short golf cart ride from the waterfront and vibrant Downtown Dunedin, this home offers the perfect blend of comfort, convenience, and coastal charm. From the moment you step inside, breathtaking water views steal the show. The open-concept floor plan is enhanced by luxury wood-look vinyl plank flooring, fresh paint, new baseboards, new doors and abundant natural light. The completely remodeled kitchen is a true centerpiece, featuring 42-inch solid wood soft-close cabinetry, quartz countertops, under-cabinet lighting, additional storage, and stainless steel appliances, all opening seamlessly into the spacious living area—perfect for entertaining or simply relaxing while enjoying the view. The enclosed sunroom extends your living space and showcases panoramic waterfront views through new PGT hurricane-impact windows throughout and hurricane sliding glass patio doors. Whether you use it as a dining area, home office, reading nook, or hobby room, it’s the perfect place to enjoy spectacular sunsets and peaceful mornings with no rear neighbors directly behind you. The oversized primary suite offers a luxurious escape with two large walk-in closets and a beautifully updated en-suite bathroom featuring floor-to-ceiling tile, a frameless glass walk-in shower with a rainfall showerhead, an LED-lighted mirror, and a quartz vanity. Guests will appreciate the elegant half bath, complete with designer finishes, an LED-lighted round mirror, and a modern quartz vanity. This home has been extensively updated, including a new air conditioning system (2024), water heater (2026), and a roof replaced in 2020. Everything has already been done, allowing you to move in and immediately enjoy the Florida lifestyle. The property has never flooded and is not located in a flood zone. It may also be purchased fully furnished, making your transition effortless. Residents enjoy a low-maintenance, resort-style lifestyle with amenities that include a heated pool, shuffleboard courts, cable, internet, water, sewer, trash service, exterior building maintenance, and grounds maintenance—all included in the monthly HOA fee. Located in a desirable golf cart-friendly 55+ community, this exceptional waterfront villa is just minutes from Downtown Dunedin’s award-winning restaurants, breweries, boutiques, waterfront parks, and the Pinellas Trail. All that’s left to do is pick up your keys, settle in, and experience the very best of Sweet Florida Living.
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
838
Sqft
0.04 ac
Lot size
1970
Year built
One
Levels
$265
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.
$1,936 /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
$1,936/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.
$/sqft vs Dunedin actives
$265 vs $298
Days on market
4 vs 51 typical
Where $265/sqft sits among the 267 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 267
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 845 SKY LOCH DRIVE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$197,500
854 SKY LOCH DRIVE N · same community
1 bd · 1 ba · 758 sqft · $261/sqft · 11 DOM
Sold · Aug ’25$175,000
854 SKY LOCH DRIVE N · same community
1 bd · 1 ba · 758 sqft · $231/sqft · 92 DOM
Sold · Mar ’26$175,000
230 PORTREE DRIVE · same community
2 bd · 1 ba · 931 sqft · $188/sqft · 269 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 845 SKY LOCH DRIVE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 845 SKY LOCH DRIVE S — 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
845 SKY LOCH DRIVE S FAQs
What would the monthly payment be for 845 SKY LOCH DRIVE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,936/mo — principal and interest, the actual property-tax bill, the $320/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 845 SKY LOCH DRIVE S?+
The association fee works out to $320 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 845 SKY LOCH DRIVE S?+
The most recent tax bill on record (2025) was $618. 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 845 SKY LOCH DRIVE S?+
The listing reports pets: No. 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 $221,900, this home is listed about 44% below the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 845 SKY LOCH DRIVE S?+
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
Four things that matter here
01Under the DUNEDIN 34698 market on paper
$221,900 is 26% below the DUNEDIN 34698 median of $299,999, and at $265/sqft it sits under the Dunedin average of $330.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a Dunedin market that averages 51 — if it fits, move quickly.
04Strong 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 TOM TUCKER REALTY · Dave Doherty. MLS #TB8532132.
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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