970 VIRGINIA STREET UNIT 103, DUNEDIN, FL, 34698
Active5 days on marketListed Jul 29, 2026MLS #TB8533933
About this home
970 VIRGINIA STREET UNIT 103
Welcome to easy Florida living in the highly desirable Heather Lake Condo community in Dunedin, FL! Another wonderful opportunity to purchase this value priced 1 bedroom, 1 bath in the most sought-after, most vibrant, most walkable, waterfront and golfcart community in Pinellas County. This charming 1-bedroom, 1-bath FIRST-FLOOR unit offers comfort and convenience in a vibrant 55+ community within complete walking distance, a short bike ride or quick cart ride to Dunedin’s Downtown area which is known for its artsy, laid-backed, key west atmosphere with a strong community spirit. Also known for its Scottish heritage and golf cart culture. With its renowned walkability you have quick access to a plethora of restaurants, shops, breweries, seafood, live music, marinas, waterfront parks and the Toronto Blue Jay's Stadium. The pickleball courts are just next door at Eagles Park, and the famous sunsets are just a few blocks away. Enjoy peaceful mornings in your private screened-in patio. Inside, the condo offers a functional layout and complete with furnishings, making it truly move-in ready or ideal for a seasonal retreat. Heather Lake residents enjoy a wealth of amenities, including a large, heated pool and an active clubhouse filled with social events and activities. The monthly HOA fee provides exceptional value, covering water, sewer, trash, exterior building and grounds maintenance, readily available onsite management, and both cable AND internet. Leaving you with only an electric bill to pay. Located in a non-evacuation zone and high and dry in Flood Zone X, this property offers added peace of mind. Blocks from the 38-mile Pinellas trail, 5 miles to Clearwater Beach and just 4 miles from the pristine shores of the famous Honeymoon Island with quick access to Caladesi Island. Only 25 to 30 minutes to Tampa International Airport. Won't last long at this value!! Don't Delay! See Today! Roof replaced in 2024 HVAC replaced Iin 2024 and hot water heater in 2019.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
795
Sqft
0 ac
Lot size
1978
Year built
Three Or More
Levels
$113
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.
$1,269 /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
$1,269/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
−20.2%
$/sqft vs HEATHER LAKE APTS CONDO
$113 vs $161
Days on market
5 vs 51 typical
Where $113/sqft sits among the 11 homes for sale in HEATHER LAKE APTS CONDO
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 Heather Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dunedin. See the full Dunedin guide →
Heather Lake — neighborhood snapshot
Population
371
Median age
64
Median income
$56,125
Median home value
$153,900
Avg household
2
Households w/ children
17%
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)
6 of 11
HEATHER LAKE APTS CONDO have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 70% below the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 970 VIRGINIA STREET UNIT 103
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$95,000
960 VIRGINIA STREET UNIT 307 · same community
1 bd · 1 ba · 800 sqft · $119/sqft · 88 DOM
Sold · Apr ’26$85,000
960 VIRGINIA STREET UNIT 207 · same community
1 bd · 1 ba · 800 sqft · $106/sqft · 7 DOM
Sold · Aug ’25$119,000
920 VIRGINIA STREET UNIT 204 · same community
1 bd · 1 ba · 768 sqft · $155/sqft · 10 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 970 VIRGINIA STREET UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 970 VIRGINIA STREET UNIT 103 — 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
970 VIRGINIA STREET UNIT 103 FAQs
What would the monthly payment be for 970 VIRGINIA STREET UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,269/mo — principal and interest, the actual property-tax bill, the $494/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 970 VIRGINIA STREET UNIT 103?+
The association fee works out to $494 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 970 VIRGINIA STREET UNIT 103?+
The most recent tax bill on record (2025) was $549. 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 970 VIRGINIA STREET UNIT 103?+
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 $90,000, this home is listed about 77% below the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 970 VIRGINIA STREET UNIT 103?+
Dunedin Highland Middle School (middle), Dunedin High School (high), Garrison-Jones Elementary School (elementary) — 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
$90,000 is 70% below the DUNEDIN 34698 median of $300,000, and at $113/sqft it sits under the Dunedin average of $330.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 5 days on market in a Dunedin market that averages 51 — if it fits, move quickly.
04Strong assigned schools
Dunedin Highland Middle School, Dunedin High School, Garrison-Jones Elementary School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BETTER CHOICE REAL ESTATE · Kelly Snow. MLS #TB8533933.
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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