3040 BELCHER ROAD, DUNEDIN, FL, 34698
Active42 days on marketListed Jun 11, 2026MLS #W7886579
About this home
3040 BELCHER ROAD
Built in 2021, this 3-bedroom, 2-bathroom home combines modern construction, energy-efficient features, and a convenient Dunedin location. With no HOA and no CDD fees, the property offers added flexibility and affordability. The open floor plan creates a seamless flow between the kitchen, dining, and living areas, providing functional space for everyday living and entertaining. Constructed with superior rigid foam-cell insulation, the home is designed to deliver enhanced energy efficiency, moisture resistance, and year-round comfort. Impact-resistant, hurricane-rated windows and exterior doors provide added durability and protection. The split-bedroom layout offers privacy for the primary suite, while two additional bedrooms provide flexibility for guests, a home office, or other needs. Modern construction standards and thoughtful design contribute to the home's functionality and efficiency. Located just minutes from US-19, the property offers convenient access to shopping, dining, parks, beaches, and major commuting routes throughout Pinellas County. Downtown Dunedin's waterfront, restaurants, shops, and community events are less than a 15-minute drive away.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,563
Sqft
0.15 ac
Lot size
2
Garage
2021
Year built
One
Levels
$287
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 — not generic estimates.
$3,651 /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
$3,651/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
−11.9%
Days on market
42 vs 51 typical
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)
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 50% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
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 3040 BELCHER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3040 BELCHER ROAD — 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
3040 BELCHER ROAD FAQs
What would the monthly payment be for 3040 BELCHER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,651/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3040 BELCHER ROAD?+
The most recent tax bill on record (2025) was $7,788. 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 3040 BELCHER ROAD?+
The listing reports pets: 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 $449,000, this home is listed about 13% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3040 BELCHER ROAD?+
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
Three things that matter here
01Positioned at the premium end
$449,000 runs 50% above the DUNEDIN 34698 median — but at 1,563 sqft it's also 32% larger than the typical Dunedin listing.
02Strong 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.
03The price has already moved
Listed at $460,000, now $449,000 — a $11K cut. The full history is in the market section below.
Listing courtesy of RE/MAX ALLIANCE GROUP · Patrick Morris. MLS #W7886579.
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.
Never miss a listing
New Dunedin homes, in your inbox
Like 3040 BELCHER ROAD but not quite? A daily digest of every new listing in Dunedin — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →