820 VIRGINIA STREET UNIT 104, DUNEDIN, FL, 34698
Active4 days on marketListed Sep 17, 2026MLS #TB8549666
About this home
820 VIRGINIA STREET UNIT 104
Fresh paint and wood-look flooring give this fully furnished 2 br 2 ba condo a bright & breezy coastal vibe. Walk to downtown Dunedin's many events, restaurants and shops...or enjoy the resort-style pool, heated spa, gym and newly remodeled clubhouse. No flood zone to worry about and Hurricane-rated windows and doors provide peace of mind. Updated kitchen cabinets and newer appliances. Custom power operated Murphy Bed for extra guests. Deeded carport and plenty of guest parking. Free laundry room just a few doors down. Patrician Oaks has an onsite management team and strong reserves. Monthly fees include everything but your electric bill. Start living your active adult dream in Dunedin's most affordable downtown condo community.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,044
Sqft
0.01 ac
Lot size
1981
Year built
One
Levels
$163
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.
$1,270 /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
$1,270/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
−16.8%
$/sqft vs Dunedin actives
$163 vs $309
Days on market
4 vs 53 typical
Where $163/sqft sits among the 236 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 Patrician Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dunedin. See the full Dunedin guide →
Patrician Oaks — neighborhood snapshot
Population
739
Median age
69
Median income
$38,646
Median home value
$152,000
Avg household
1
Households w/ children
12%
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 → $443K
Dunedin median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
134 of 236
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% below the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 820 VIRGINIA STREET UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$189,000
820 VIRGINIA STREET UNIT 212 · same community
2 bd · 2 ba · 1,044 sqft · $181/sqft · 3 DOM
Sold · Jan ’26$110,000
840 VIRGINIA STREET UNIT 108 · same community
2 bd · 2 ba · 1,044 sqft · $105/sqft · 50 DOM
Sold · Apr ’26$147,500
871 NEW YORK AVENUE UNIT 307 · same community
2 bd · 2 ba · 1,044 sqft · $141/sqft · 80 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 820 VIRGINIA STREET UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 820 VIRGINIA STREET UNIT 104 — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
820 VIRGINIA STREET UNIT 104 FAQs
What would the monthly payment be for 820 VIRGINIA STREET UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,270/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 820 VIRGINIA STREET UNIT 104?+
The most recent tax bill on record (2025) was $418. 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 820 VIRGINIA STREET UNIT 104?+
The listing reports pets: Cats OK, Number Limit. 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 $169,900, this home is listed about 58% below the Dunedin median of $400,000. The market section on this page shows how the area is trending.
Which schools are assigned to 820 VIRGINIA STREET UNIT 104?+
Dunedin Highland Middle School (middle), Dunedin High School (high), San Jose 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
$169,900 is 52% below the DUNEDIN 34698 median of $352,450, and at $163/sqft it sits under the Dunedin average of $333.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 4 days on market in a Dunedin market that averages 53 — if it fits, move quickly.
04Strong assigned schools
Dunedin Highland Middle School, Dunedin High School, San Jose Elementary 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 · Rebecca Wellborn. MLS #TB8549666.
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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