CENTURY 21 Edge
$4,499,0005 bd5 ba5,690 sqft$791 /sqft≈$32,857 /mo all-in ↓

521 BAYWOOD DRIVE S, DUNEDIN, FL, 34698

Active7 days on marketListed Oct 16, 2026MLS #TB8558719

WaterfrontPrivate poolSingle Family ResidenceBAYWOOD SHORES

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

Private poolWaterfrontFireplacePool & Water view

Inside

FlooringConcrete
AppliancesCooktop · Dishwasher · Disposal · Dryer · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer · Water Filtration System · Water Purifier · Water Softener
InteriorCeiling Fan(s) · Elevator · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Smart Home · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofOther
ConstructionConcrete · ICFs (Insulated Concrete Forms)
FoundationStilt/On Piling
ViewPool · Water
FacesNorthwest
ExteriorLighting

Community & fees

Taxes (2024)$32,380/yr

Utilities & systems

UtilitiesPublic
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.

$32,857 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$28,312
PMI (est., until 20% equity)$1,687
Property tax — 2024 actual bill$2,698
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $449,900Loan30-yr fixed at 7.5%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% · $449,900
Interest rate7.50%
Loan term

Estimated payment

$32,857/mo

Principal & interest$28,312
PMI (est., until 20% equity)$1,687
Property taxes (actual bill)$2,698
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.

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

68
100
46
14
4
9 · this home
$144–252$252–359$359–467$467–575$575–683$683+

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

Tampa Int’l Airport (TPA)≈ 35 min
Downtown Tampa≈ 38 min

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

ElementarySan Jose Elementary School★★★★★
HighDunedin High School★★★★★
MiddlePalm Harbor Middle School★★★★★

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

The numbers that matter

The Dunedin market

Seller’s marketLeans seller — 3.4 months of inventoryBuyer’s 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

Oct 16, 2026Listed at $4,499,000 · 7 days on market since
2022Built · BAYWOOD SHORES

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.

2484 BAYWOOD DRIVE WSold · Jun ’26

$3,250,000

2484 BAYWOOD DRIVE W · same community

3 bd · 2.5 ba · 3,758 sqft · $865/sqft · 144 DOM

536 BAYWOOD DRIVE NSold · Jun ’26

$1,140,000

536 BAYWOOD DRIVE N · same community

3 bd · 3 ba · 2,670 sqft · $427/sqft · 105 DOM

539 BAYWOOD DRIVE SSold · 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.

Anthony Richardson

Your agent

Anthony Richardson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 521 BAYWOOD DRIVE S — start here.

Andrew Acosta

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.

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.

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