
521 BAYWOOD DRIVE S, DUNEDIN, FL, 34698
Active7 days on marketListed Oct 16, 2026MLS #TB8558719
About this home
521 BAYWOOD DRIVE S
Step into a world where architectural brilliance meets coastal resilience. This extraordinary 2022 Art Deco-inspired waterfront estate combines modern design, exceptional engineering, and uncompromising construction against the breathtaking backdrop of Florida’s Gulf. This three-story residence features five bedrooms and five bathrooms, designed to maximize spectacular water views. Extensive solid reinforced concrete construction, including five wall-mounted reinforced concrete floors, gives the home a true fortress-like quality and level of structural engineering rarely found in residential construction. Reinforced concrete floors and walls, hurricane-rated PGT black vinyl windows and doors, superior flood protection, a commercial-grade TPO roof, two Trane A/C units, and spray foam insulation were thoughtfully incorporated for strength, longevity, and efficiency. A private elevator connects all three floors. Three bedrooms feature en-suite bathrooms, while expansive second- and third-floor balconies showcase stunning Gulf views. Approximately 1,300 sq. ft. of elevated outdoor deck space provides an incredible setting for entertaining and waterfront living.The resort-style saltwater pool and heated hot tub/spa create a private waterfront retreat. Controlled LED lighting and dusk-to-dawn exterior lighting beautifully highlight the home after sunset. Impact-glass rear vertical doors frame picturesque waterfront views and seamlessly connect indoor and outdoor living. An oversized spiral staircase connects the pool deck to the main outdoor living area.The remarkable oversized garage accommodates up to nine vehicles and features a mini-split A/C system, making it ideal for a car collection, gym, workshop, entertainment lounge, or conditioned workspace. Hurricane-impact garage doors provide additional durability and protection.The state-of-the-art kitchen features Bosch stainless steel appliances, a KitchenAid convection oven, sleek cabinetry, and high-end finishes. Modern technology includes two Smart LED WiFi fireplaces, a 400-amp electrical system prepped for a boat lift, a 220V electric-car charging station, and pre-wired outlets for additional ceiling fans, recessed lighting, or custom disco-ball lighting. Outside, an easy-to-maintain disco-ball-inspired pool finish, extensive hardscaping, and low-maintenance landscaping complete the property.Located in one of Dunedin’s most coveted waterfront neighborhoods, the home provides convenient access to the Pinellas Trail and Dunedin Causeway for kayaking, paddleboarding, and scenic bike rides. Downtown Dunedin is approximately 15 minutes away by bike, boat, or car, offering restaurants, breweries, shopping, festivals, and entertainment. Honeymoon Island and some of the area’s most treasured coastal destinations are also nearby. The empty lot to the east belongs to the neighboring property, helping preserve the open feel and unobstructed views.With unparalleled Gulf views, world-class engineering, reinforced concrete construction, hurricane-conscious design, sophisticated technology, extraordinary garage capacity, and resort-style amenities, this home offers a combination rarely available in the Dunedin luxury market. More than a luxury waterfront residence, this is a private coastal fortress—engineered and built to an extraordinary standard. Whether a private retreat, entertainer’s dream, automotive enthusiast’s haven, or boater’s paradise, this exceptional property is truly one of a kind.
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
5,690
Sqft
0.23 ac
Lot size
2022
Year built
Three Or More
Levels
$791
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.
$32,857 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$32,857/mo
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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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.
$/sqft vs Dunedin actives
$791 vs $309
Days on market
7 vs 61 typical
Where $791/sqft sits among the 241 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 Baywood Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Dunedin. See the full Dunedin guide →
Baywood Shores — neighborhood snapshot
Population
259
Median age
64
Median income
$78,942
Median home value
$370,500
Avg household
2
Households w/ children
9%
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 → $440K
Dunedin median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
134 of 241
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1187% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 521 BAYWOOD DRIVE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$3,250,000
2484 BAYWOOD DRIVE W · same community
3 bd · 2.5 ba · 3,758 sqft · $865/sqft · 144 DOM
Sold · Jun ’26$1,140,000
536 BAYWOOD DRIVE N · same community
3 bd · 3 ba · 2,670 sqft · $427/sqft · 105 DOM
Sold · May ’26$1,350,000
539 BAYWOOD DRIVE S · same community
4 bd · 3 ba · 2,198 sqft · $614/sqft · 66 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 521 BAYWOOD DRIVE S — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 521 BAYWOOD DRIVE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
521 BAYWOOD DRIVE S FAQs
What would the monthly payment be for 521 BAYWOOD DRIVE S?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $32,857/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 521 BAYWOOD DRIVE S?+
The most recent tax bill on record (2024) was $32,380. 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 $4,499,000, this home is listed about 1028% above the Dunedin median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 521 BAYWOOD DRIVE S?+
San Jose Elementary School (elementary), Dunedin High School (high), Palm Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$4,499,000 runs 1187% above the DUNEDIN 34698 median — but at 5,690 sqft it's also nearly 5 times the size of the typical Dunedin listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 7 days on market in a Dunedin market that averages 61 — if it fits, move quickly.
04Strong assigned schools
San Jose Elementary School, Dunedin High School, Palm Harbor Middle School — San Jose Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KATIE DUCHARME REALTY, LLC · Katie Ducharme Procissi. MLS #TB8558719.
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 521 BAYWOOD DRIVE S 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 Anthony to ping you on any price or status change →


