1340 BAYSHORE BOULEVARD UNIT 304, DUNEDIN, FL, 34698
Active1 days on marketListed Jul 25, 2026MLS #TB8532149
About this home
1340 BAYSHORE BOULEVARD UNIT 304
2023-BUILT HOME in LIKE-NEW CONDITION without new construction prices! Welcome to San Ruffino, one of Dunedin's premier gated waterfront communities, where luxury and the Florida lifestyle come together. END UNIT with only one owner, this BEAUTIFULLY MAINTAINED THREE-STORY condominium lives like a TOWNHOME and offers 3 bedrooms, 3 full bathrooms, and TRANQUIL WATER VIEWS of ST JOSEPH SOUND and the INTRACOASTAL WATERWAY. Constructed with solid BLOCK construction and BUILT TO MIAMI-DADE HURRICANE STANDARDS, this exceptional residence combines quality craftsmanship with elegant coastal design. Designed with both elegance and functionality in mind, the impressive chef's kitchen features premium stainless steel FULGOR MILANO appliances, including a convection oven, quartz countertops, a stunning coastal-inspired tile backsplash, soft-close cabinetry, abundant storage, and a touch-activated kitchen faucet. The open-concept second floor also features a spacious dining area, inviting living room, corner balcony with beautiful WATER VIEWS, a guest bedroom, and a full bathroom with a walk-in shower. Thoughtful architectural details include soaring 10-FOOT CEILINGS, impressive 8-foot interior doors, 5¼-inch baseboards, ENGINEERED WOOD FLOORING throughout the main living areas, and wide staircases that enhance the home's spacious feel. A PRIVATE ELEVATOR provides effortless access to every floor, while HURRICANE IMPACT WINDOWS and DOORS provide added peace of mind. Plantation shutters and Hunter Douglas top-down blinds provide style and privacy throughout. The luxurious THIRD-FLOOR PRIMARY SUITE serves as a private retreat, featuring its own CORNER BALCONY OVERLOOKING ST JOSEPH SOUND, a generously sized walk-in closet with a custom organization system. The spa-inspired ENSUITE BATHROOM offers quartz countertops, an oversized walk-in shower, and a freestanding soaking tub. An additional bedroom on the third floor and a LAUNDRY ROOM with a utility sink add everyday functionality. The first floor features an oversized TWO-CAR GARAGE with generous storage for vehicles, bikes, and beach gear, along with a LARGE PATIO perfect for relaxing or entertaining. San Ruffino offers an exceptional WATERFRONT LIFESTYLE with a GATED ENTRANCE, landscaped grounds, guest parking, a resort-style community POOL overlooking St Joseph Sound and the Intracoastal Waterway, a FISHING PIER, kayak launch, and private waterfront seating areas perfect for watching dolphins, boats, and spectacular sunsets. This PET-FRIENDLY condominium association provides MAINTENANCE-FREE living with roof maintenance, water, sewer, trash, and exterior grounds maintenance included. Outdoor enthusiasts will appreciate direct access to the PINELLAS TRAIL just across from the community via Wilson Street Park, connecting to over 45 miles of scenic biking, walking, and running trails. Located just one mile from vibrant DOWNTOWN DUNEDIN, you'll enjoy award-winning restaurants, charming boutiques, breweries, waterfront parks, farmers markets, festivals, and a golf cart-friendly lifestyle. The property is also located within the highly regarded Pinellas County School District. Ideally situated only 6 miles from Honeymoon Island State Park, 7 miles from Clearwater Beach, and approximately 22 miles from Tampa International Airport, this exceptional residence offers the perfect blend of luxury, location, and the relaxed Florida waterfront lifestyle.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,918
Sqft
0 ac
Lot size
2
Garage
2023
Year built
Three Or More
Levels
$377
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.
$9,113 /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
$9,113/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
$377 vs $298
Days on market
1 vs 51 typical
Where $377/sqft sits among the 270 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)
160 of 270
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 267% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1340 BAYSHORE BOULEVARD UNIT 304
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$815,000
1340 BAYSHORE BOULEVARD UNIT 502 · same community
3 bd · 2.5 ba · 2,312 sqft · $353/sqft · 97 DOM
Sold · May ’26$1,225,000
400 BROADWAY
3 bd · 3.5 ba · 3,222 sqft · $380/sqft · 89 DOM
Sold · Jan ’26$940,000
515 DOUGLAS PLACE
4 bd · 3.5 ba · 2,415 sqft · $389/sqft · 45 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 1340 BAYSHORE BOULEVARD UNIT 304 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1340 BAYSHORE BOULEVARD UNIT 304 — 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
1340 BAYSHORE BOULEVARD UNIT 304 FAQs
What would the monthly payment be for 1340 BAYSHORE BOULEVARD UNIT 304?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,113/mo — principal and interest, the actual property-tax bill, the $1,413/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 1340 BAYSHORE BOULEVARD UNIT 304?+
The association fee works out to $1,413 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1340 BAYSHORE BOULEVARD UNIT 304?+
The most recent tax bill on record (2025) was $14,304. 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 1340 BAYSHORE BOULEVARD UNIT 304?+
The listing reports pets: Cats OK, Dogs OK, 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 $1,100,000, this home is listed about 176% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1340 BAYSHORE BOULEVARD UNIT 304?+
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
$1,100,000 runs 267% above the DUNEDIN 34698 median — but at 2,918 sqft it's also nearly 2 times the size of the typical Dunedin listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,413/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 1 day 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 COASTAL PROPERTIES GROUP INTERNATIONAL · Denise Dorris. MLS #TB8532149.
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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