2643 ST JOSEPHS DRIVE W, DUNEDIN, FL, 34698
Active450 days on marketListed May 15, 2025MLS #TB8386003
About this home
2643 ST JOSEPHS DRIVE W
Live the Salt Life in this beautifully updated 2-bedroom, 2-bath townhome fully furnished with a garage and partial Gulf views. Enjoy tranquil water vistas and refreshing coastal breezes from the family room, primary bedroom, and private balcony. Located just steps from the Dunedin Causeway, this home offers easy access to the beach, daily sunsets, and outdoor activities. Explore nearby Honeymoon Island, the Pinellas Trail, and an array of local restaurants and shops. Downtown Dunedin is just 2 miles away by bike or car, offering even more charm and convenience. Don't miss this exceptional opportunity to own a piece of paradise in a highly sought-after coastal community. Owner will also consider leasing the unit.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,211
Sqft
0.49 ac
Lot size
2
Garage
1986
Year built
Three Or More
Levels
$330
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.
$3,817 /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
$3,817/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
+25.2%
$/sqft vs Dunedin actives
$330 vs $300
Days on market
450 vs 46 typical
Where $330/sqft sits among the 249 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
$455K → $463K
Dunedin median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
148 of 249
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 2643 ST JOSEPHS DRIVE W
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$415,000
2004 CULBERSON AVENUE
3 bd · 2 ba · 1,170 sqft · $355/sqft · 20 DOM
Sold · Apr ’26$350,000
2052 JEFFERSON AVENUE
3 bd · 2 ba · 1,158 sqft · $302/sqft · 118 DOM
Sold · Jun ’26$340,000
2004 DOUGLAS AVENUE
2 bd · 1.5 ba · 1,133 sqft · $300/sqft · 178 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2643 ST JOSEPHS DRIVE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2643 ST JOSEPHS DRIVE W — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2643 ST JOSEPHS DRIVE W FAQs
What would the monthly payment be for 2643 ST JOSEPHS DRIVE W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,817/mo — principal and interest, the actual property-tax bill, the $625/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 2643 ST JOSEPHS DRIVE W?+
The association fee works out to $625 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2643 ST JOSEPHS DRIVE W?+
The most recent tax bill on record (2024) was $6,006. 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 2643 ST JOSEPHS DRIVE W?+
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 $400,000, this home is priced right at the Dunedin median.
Which schools are assigned to 2643 ST JOSEPHS DRIVE W?+
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
$400,000 runs 23% above the DUNEDIN 34698 median.
02Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $625/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
450 days on market against a Dunedin median of 46 — sellers in this position are usually ready to negotiate.
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 COLDWELL BANKER REALTY · Mitchell Eckley. MLS #TB8386003.
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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