CENTURY 21 Edge
$525,0003 bd2 ba1,114 sqft$471 /sqft≈$4,154 /mo all-in ↓

2020 VALLEY DRIVE, DUNEDIN, FL, 34698

Active2 days on marketListed Oct 23, 2026MLS #TB8561117

Single Family ResidencePINEHURST MEADOW ADD

About this home

2020 VALLEY DRIVE

NEW TO MARKET!!! NEW TO MARKET!!! NEW TO MARKET!!! A PRIVATE RETREAT WITH THE BEST OF DUNEDIN CLOSE TO HOME! Situated on a picturesque wooded lot within walking distance of Hammock Park, this beautifully updated home blends timeless character, modern improvements, and the relaxed coastal lifestyle that makes Dunedin so special. With no HOA, a fully fenced backyard, and inviting indoor and outdoor gathering spaces, 2020 Valley Dr offers a peaceful place to unwind while staying connected to the places you love. Step inside to a bright, open floor plan where classic terrazzo flooring and abundant natural light create a warm, welcoming atmosphere. At the heart of the home, the beautifully updated kitchen features granite countertops, a stylish tile backsplash, updated cabinetry, a center island, upgraded stainless steel appliances, and generous lighting. An inviting eat-in dining area provides the perfect setting for morning coffee, while the seamless connection between the kitchen and living area keeps everyone together, whether you’re enjoying a quiet evening or hosting friends. Thoughtful updates continue throughout the bathrooms. The spacious main bathroom features dual sinks, a new bathtub, and extensive tilework, while the primary bathroom offers a beautifully tiled walk-in shower and updated vanity. Outside, mature landscaping and a fully fenced backyard create a sense of privacy that is a standout feature of this property. The patio’s impressive outdoor fireplace adds character and an inviting focal point for evenings under the stars. Picture dinner outdoors, conversation by the fire, and a peaceful place to enjoy Florida’s beautiful weather—right in your own backyard. Major improvements include a NEW ROOF AND NEW A/C IN 2024, along with hurricane-rated windows and sliding glass doors, adding meaningful value to this exceptionally well-maintained, move-in-ready home. The flood zone is "X". Beyond your front door, the Dunedin lifestyle awaits. Walk to Hammock Park, the Dunedin Community Center, the Dunedin Fine Art Center, and Highlander Park. Spend your mornings exploring nearby parks or cycling the Pinellas Trail, then head to vibrant Downtown Dunedin for locally owned restaurants, boutiques, craft breweries, and community events. Enjoy the marina and waterfront, catch a spectacular sunset, or make a beach day of it at the Dunedin Causeway and Honeymoon Island State Park—all within easy reach. From its oversized yard with no immediate neighbors to the back, it's distinctive outdoor fireplace to its updated kitchen and major improvements, this home brings together comfort, character, and a location that makes it easy to enjoy life in Dunedin. Come experience 2020 Valley Dr and discover your own piece of this Gulf Coast community.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,114

Sqft

0.23 ac

Lot size

1

Garage

1967

Year built

One

Levels

$471

Per sqft

FireplacePets allowed

Inside

FlooringTerrazzo
AppliancesDishwasher · Disposal · Microwave · Refrigerator
InteriorBuilt-in Features · Eating Space In Kitchen · Primary Bedroom Main Floor
LaundryOther
CoolingCentral Air
HeatingCentral

Outside & construction

RoofOther
ConstructionBlock
FoundationBlock
FacesNorth
ParkingDriveway · On Street
ExteriorOther · Private Yard · Sliding Doors

Community & fees

Taxes (2025)$1,886/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Cable 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.

$4,154 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$3,604
FHA mortgage insurance (est.)$232
Property tax — 2025 actual bill$157
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,375Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,375
Interest rate7.50%
Loan term

Estimated payment

$4,154/mo

Principal & interest$3,604
FHA mortgage insurance (est.)$232
Property taxes (actual bill)$157
Est. insurance$160

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.

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.

List $525K
$375KedgeAI estimate $418,935 · range $391K–$450K$546K

vs edgeAI estimate

+25.3%

$/sqft vs Dunedin actives

$471 vs $309

Days on market

2 vs 60 typical

Where $471/sqft sits among the 246 Dunedin actives

57
55
71
31
9 · this home
23
$144–221$221–299$299–377$377–454$454–532$532+

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)≈ 33 min
Downtown Tampa≈ 37 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

ElementaryDunedin Elementary School★★★★★
MiddleDunedin Highland Middle 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 seller — 3.5 months of inventoryBuyer’s market

$455K → $440K

Dunedin median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

133 of 246

Dunedin actives have cut their price

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

This home is listed 53% above the DUNEDIN 34698 median. See the full Dunedin market guide →

Paper trail

This home's history

Oct 23, 2026Listed at $525,000 · 2 days on market since
1967Built · PINEHURST MEADOW ADD

Reality check

What actually sold near 2020 VALLEY DRIVE

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

2045 SUMMIT DRSold · Nov ’25

$375,000

2045 SUMMIT DR · same community

3 bd · 2 ba · 1,334 sqft · $281/sqft · 107 DOM

400 GLENNES LANE UNIT 201Sold · Mar ’26

$130,000

400 GLENNES LANE UNIT 201

2 bd · 2 ba · 1,070 sqft · $121/sqft · 0 DOM

1016 DE SOTO DRIVESold · May ’26

$161,000

1016 DE SOTO DRIVE

2 bd · 2 ba · 1,070 sqft · $150/sqft · 63 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.

Kevin Johnson

Your agent

Kevin Johnson

CEO & Managing Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 2020 VALLEY DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2020 VALLEY DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

2020 VALLEY DRIVE FAQs

What would the monthly payment be for 2020 VALLEY DRIVE?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,154/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 2020 VALLEY DRIVE?+

The most recent tax bill on record (2025) was $1,886. 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 2020 VALLEY DRIVE?+

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 $525,000, this home is listed about 32% above the Dunedin median of $399,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2020 VALLEY DRIVE?+

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

The brief

Three things that matter here

01Positioned at the premium end

$525,000 runs 53% above the DUNEDIN 34698 median.

02Fresh on the market

Only 2 days on market in a Dunedin market that averages 60 — if it fits, move quickly.

03Strong assigned schools

Dunedin Elementary School, Dunedin Highland Middle School, Dunedin High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Gregory Schreiber. MLS #TB8561117.

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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