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$449,900

3495 OAK STREET, DUNEDIN, FL 34698

3D Tour

Active42 days on market

Beds

Baths

Sq Ft

1,948 sq ft

Year Built

1971

Lot Size

0.14 acres

Garage

—

About This Property

Location, Location! Just a short ride to Dunedin Causeway, Honeymoon Island and Caladesi, this 4-bedroom, 2-bath home is the best deal in Dunedin at $236 per sq ft, with just under 2,000 sq ft. Unincorporated Dunedin in X Flood zone, this home is perfectly positioned for seasonal use , short-term rentals or for the next family to love! The bright and open great room creates a welcoming space for everyday living and entertaining. The kitchen offers stainless steel appliances, ample counter space, and multiple dining options to suit your lifestyle, while the living room fireplace serves as a warm and stylish focal point. The spacious primary suite features an updated ensuite bathroom and a walk-in closet, providing a private retreat at the end of the day. Three additional bedrooms share a full bath, with one bedroom offering its own exterior entrance, ideal for a variety of living arrangements, workspace needs, or guest privacy. Outside, enjoy a fenced backyard complete with an above-ground pool, creating the perfect setting for relaxing, entertaining, or enjoying the outdoors. A shed/carport provide added convenience for equipment, and storage needs. Conveniently located near shopping, dining, parks, and major roadways, this home offers easy access to everything the area has to offer.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #TB8514763

StatusActive

Year Built1971

Stories1

Total Rooms3

ConstructionConcrete

RoofShingle

FoundationSlab

FacesWest

SubdivisionOAK LAKE HEIGHTS

CountyPinellas

OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Open Floorplan, Primary Bedroom Main Floor, Walk-In Closet(s)

FlooringTile

AppliancesDryer, Microwave, Range, Refrigerator, Washer

LaundryInside

CoolingCentral Air

HeatingCentral

FireplaceYes ()

Exterior & Lot

ExteriorPrivate Mailbox, Private Yard

FencingFenced

Lot Size0.14 acres (5,942 sq ft)

Lot Dimensions54 x 110

Road SurfacePaved

Pool & Spa

Private PoolYes

Pool FeaturesAbove Ground

Utilities

WaterPublic

SewerSeptic Tank

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageNo

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$449,900

Original Price$460,000

Annual Taxes$1,774 (2025)

FinancingCash, Conventional, FHA, VA Loan

ZoningR-3

Parcel #182816628560030120

Directions

From FL-60 W Turn right onto E Service Rd/U.S. 19 Frontage Rd Use the left 2 lanes to take the ramp onto US-19 N Use the left lane to turn left onto Curlew Rd Turn left onto Oak St

Location

3495 OAK STREET, DUNEDIN, FL 34698

Listing Information

OfficeREDFIN CORPORATION

ListedJune 3, 2026

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$449,900

Down Payment20% ($89,980)

Interest Rate6.75%

Loan Term

Principal & Interest$2,334

Property Tax (est.)$412

Insurance (est.)$150

Total Monthly$2,897

Full Calculator →

How to Buy This Home

Multiple financing options available for this $449,900 home in DUNEDIN.

🏛️

FHA Loan

$15,747 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$22,495 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: July 15, 2026.