1109 SOMERSET CIRCLE S, DUNEDIN, FL, 34698
Active6 days on marketListed Jul 31, 2026MLS #TB8534563
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Upcoming open house
Sat, Aug 8
12:00 PM – 2:00 PM
About this home
1109 SOMERSET CIRCLE S
A well-maintained 2-bedroom, 2-bath end-unit villa with a spacious office/flex room nestled on a quiet cul-de-sac in the desirable Willow Wood Village community of Dunedin. Offering the perfect blend of comfort, convenience, and low-maintenance living, the versatile flex space is ideal for working from home, hobbies, or accommodating overnight guests. This home offers valuable updates including a 2022 HVAC system, 2018 roof, and a brand-new water heater to be installed prior to closing, providing added peace of mind for the next owner. Inside, you'll find an inviting layout with tile flooring throughout, creating a clean, cohesive feel. The bright kitchen features solid surface countertops, stainless steel appliances, and ample cabinet space, making it both functional and welcoming. The spacious primary suite easily accommodates large furnishings and features a walk-in closet along with a private en-suite bath highlighted by an oversized vanity, while the updated guest bathroom adds a modern touch for family and visitors. An air-conditioned enclosed patio extends the living space year-round perfect for morning coffee, reading, or entertaining friends. Situated in a No Flood Zone, this friendly golf cart community is just minutes from Downtown Dunedin, renowned for its waterfront parks, award-winning restaurants, boutiques, breweries, festivals, the Pinellas Trail, and Gulf Coast beaches. Residents of Willow Wood Village enjoy exceptional amenities including a beautiful clubhouse, community pool, tennis and pickleball courts, while the low HOA fee covers cable, internet, lawn maintenance, and irrigation, making everyday living both easy and affordable. Whether you're searching for a year-round residence, seasonal retreat, or downsizing without compromise, this move-in ready villa offers the ideal combination of location, lifestyle, and value in one of Dunedin's most sought-after communities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,350
Sqft
0.11 ac
Lot size
1982
Year built
One
Levels
$256
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.
$2,684 /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
$2,684/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
+25.7%
$/sqft vs Dunedin actives
$256 vs $301
Days on market
6 vs 46 typical
Where $256/sqft sits among the 254 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 Somerset Of Dunedin
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dunedin. See the full Dunedin guide →
Somerset Of Dunedin — neighborhood snapshot
Population
507
Median age
61
Median income
$48,611
Median home value
$304,300
Avg household
2
Households w/ children
21%
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
$455K → $463K
Dunedin median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
152 of 254
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 1109 SOMERSET CIRCLE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$359,000
156 DEVON COURT · same community
3 bd · 2 ba · 1,176 sqft · $305/sqft · 228 DOM
Sold · Dec ’25$350,000
152 CHELSEA COURT · same community
2 bd · 2 ba · 1,176 sqft · $298/sqft · 203 DOM
Sold · Sep ’25$290,000
211 SOMERSET CIRLE N · same community
2 bd · 2 ba · 972 sqft · $298/sqft · 109 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 1109 SOMERSET CIRCLE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1109 SOMERSET CIRCLE 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
1109 SOMERSET CIRCLE S FAQs
What would the monthly payment be for 1109 SOMERSET CIRCLE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,684/mo — principal and interest, the actual property-tax bill, the $230/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 1109 SOMERSET CIRCLE S?+
The association fee works out to $230 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1109 SOMERSET CIRCLE S?+
The most recent tax bill on record (2025) was $1,324. 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 1109 SOMERSET CIRCLE S?+
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 $345,000, this home is listed about 14% below the Dunedin median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1109 SOMERSET CIRCLE S?+
Dunedin Elementary School (elementary), Dunedin Highland Middle School (middle), 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
$345,000 runs 11% above the DUNEDIN 34698 median.
02Fresh on the market
Only 6 days on market in a Dunedin market that averages 46 — if it fits, move quickly.
03Strong assigned schools
Dunedin Elementary School, Dunedin Highland Middle 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 · Sarah Stone. MLS #TB8534563.
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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