CENTURY 21 Edge
$1,999,9993 bd2 ba2,154 sqft$929 /sqft$12,551 /mo all-in ↓

224 ALBERT STREET, DUNEDIN, FL, 34698

Active14 days on marketListed Sep 6, 2026MLS #TB8545983

Single Family ResidenceDUNEDIN

About this home

224 ALBERT STREET

HISTORIC DOWNTOWN DUNEDIN MASTERPIECE — LOCATION, LAND, HISTORY & ENDLESS POSSIBILITIES! Welcome to 224 Albert Street, a truly one-of-a-kind property where more than a century of Dunedin history meets modern updates, an extraordinary natural setting and incredible future potential. Built in 1909 by Dunedin Mayor Walter Bull, this remarkable solid heart-pine residence sits on approximately .43 acres in the heart of Dunedin, just ONE BLOCK from Edgewater Drive and the Pinellas Trail and minutes from Downtown Dunedin, the Marina, Edgewater Park, restaurants, breweries, boutiques and festivals. A beautiful screened-in front porch welcomes you before stepping into a warm living room centered around a gorgeous brick wood-burning fireplace. Extensively renovated while preserving its historic character, the 3-bedroom, 2-bath home features beautiful original heart-pine flooring and a BRAND-NEW 2026 KITCHEN with soft-close cabinetry, stone countertops, Italian porcelain tile and premium Bosch appliances. A major 2026 HVAC overhaul includes a brand-new downstairs A/C system and entirely new ductwork upstairs and downstairs. The magic continues outdoors! A large rear deck overlooks the pond and expansive backyard, creating a peaceful sanctuary beneath magnificent mature, moss-draped live oaks. Designated a Backyard Wildlife Habitat since 2003, the grounds feature seasonal nesting habitat for Yellow-Crowned Night Herons, a butterfly garden, mature fruit-bearing mango and loquat trees and an established collection of culinary and medicinal herbs. A covered observation deck offers another special place to enjoy this incredible setting. With nearly half an acre, there is abundant room to entertain, garden, add a spectacular pool and oversized lanai or create the private outdoor retreat you have always imagined. A large one-car garage adds even more flexibility with an additional storage room featuring a new wall-unit A/C. This space is not included in the home’s heated square footage and offers possibilities for an office, gym, studio, workshop or bonus space. Then there is the incredible MF-15 ZONING, making this already rare property even more intriguing. Imagine a private compound, garage with an ADU above, additional living space or exploring the potential for another home or residences while keeping the beautifully renovated 1909 home as the centerpiece. Whether your vision is a private estate, multigenerational property or future investment opportunity, this combination of land, location and zoning is exceptionally difficult to duplicate. Buyers should independently verify all permitted uses, density and development possibilities with the City of Dunedin. Best of all, leave the car at home and walk or bike to Downtown Dunedin, the waterfront, Marina, Edgewater Park, Pinellas Trail, restaurants, breweries, cafés, boutiques and weekend events. Historic homes can be found. Large parcels can be found. Downtown locations can be found. But finding ALL THREE—along with beautiful renovations, pond views, mature landscaping, flexible zoning and extraordinary future potential—is something entirely different. 224 Albert Street isn’t simply a home; it’s a rare piece of Dunedin history and an opportunity to create something truly extraordinary.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,154

Sqft

0.43 ac

Lot size

2

Garage

1909

Year built

Two

Levels

$929

Per sqft

Fireplace

Inside

FlooringTile · Hardwood
AppliancesRange · Refrigerator
InteriorPrimary Bedroom Main Floor
LaundryInside
CoolingCentral Air
HeatingElectric · Natural Gas

Outside & construction

RoofConcrete · Metal · Tile
ConstructionWood Frame · Wood Siding
FoundationPillar/Post/Pier
FacesSouth
ExteriorStorage

Community & fees

Taxes (2025)$10,194/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$12,551 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,792
PMI (est., until 20% equity)$750
Property tax — 2025 actual bill$850
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $200,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $200,000
Interest rate6.00%
Loan term

Estimated payment

$12,551/mo

Principal & interest$10,792
PMI (est., until 20% equity)$750
Property taxes (actual bill)$850
Est. insurance$160

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.

List $2.0M
$355KedgeAI estimate $799,292 · range $370K$1.0M$2.1M

vs edgeAI estimate

+150.2%

$/sqft vs Dunedin actives

$929 vs $306

Days on market

14 vs 53 typical

Where $929/sqft sits among the 239 Dunedin actives

92
97
30
10
2
8 · this home
$144–275$275–406$406–536$536–667$667–798$798+

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

Tampa Int’l Airport (TPA)34 min
Downtown Tampa37 min

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

MiddleDunedin Highland Middle School★★★★
ElementarySan Jose Elementary School★★★★
HighDunedin High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Dunedin market

Seller’s marketLeans seller3.5 months of inventoryBuyer’s market

$455K$443K

Dunedin median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

134 of 239

Dunedin actives have cut their price

Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 460% above the DUNEDIN 34698 median. See the full Dunedin market guide →

Paper trail

This home's history

Sep 6, 2026Listed at $1,999,999 · 14 days on market since
1909Built · DUNEDIN

Reality check

What actually sold near 224 ALBERT STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1136 GRANADA STREETSold · Oct ’25

$490,000

1136 GRANADA STREET

3 bd · 2 ba · 1,932 sqft · $254/sqft · 61 DOM

1530 ERIN LANESold · Mar ’26

$499,000

1530 ERIN LANE

4 bd · 2 ba · 1,885 sqft · $265/sqft · 61 DOM

2027 PINECREST WAYSold · May ’26

$499,900

2027 PINECREST WAY

3 bd · 2 ba · 2,426 sqft · $206/sqft · 22 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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 224 ALBERT STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 224 ALBERT STREET — before you fall in love.

See it in person

Schedule a tour

Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

224 ALBERT STREET FAQs

What would the monthly payment be for 224 ALBERT STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,551/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 224 ALBERT STREET?+

The most recent tax bill on record (2025) was $10,194. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Dunedin?+

At $1,999,999, this home is listed about 400% above the Dunedin median of $400,000. The market section on this page shows how the area is trending.

Which schools are assigned to 224 ALBERT STREET?+

Dunedin Highland Middle School (middle), San Jose Elementary School (elementary), Dunedin High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of KATIE DUCHARME REALTY, LLC · Katie Ducharme Procissi. MLS #TB8545983.

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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