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$525,000

2020 VALLEY DRIVE, DUNEDIN, FL 34698

3D Tour
Active1 days on market

Beds

3

Baths

2

Sq Ft

1,114 sq ft

Year Built

1967

Lot Size

0.23 acres

Garage

1

About This Property

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.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8561117
StatusActive
Year Built1967
Stories1
Total Rooms8
ConstructionBlock
RoofOther
FoundationBlock
FacesNorth
SubdivisionPINEHURST MEADOW ADD
CountyPinellas
OwnershipFee Simple

Interior Features

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

Exterior & Lot

ExteriorOther, Private Yard, Sliding Doors
Lot Size0.23 acres (9,862 sq ft)
Lot Dimensions70 x 141
Road SurfacePaved
0

Utilities

WaterPublic
SewerNone
UtilitiesCable Available, Cable Connected

Parking

GarageYes (1 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$525,000
Annual Taxes$1,886 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
Parcel #232815694080010290

Directions

Pinehurst to Valley, make a right, house on the left

Location

2020 VALLEY DRIVE, DUNEDIN, FL 34698

Listing Information

OfficeKELLER WILLIAMS REALTY- PALM HARBOR
ListedOctober 23, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$525,000

20% ($105,000)
6.75%

Loan Term

Principal & Interest$2,724
Property Tax (est.)$481
Insurance (est.)$150
Total Monthly$3,355
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How to Buy This Home

Multiple financing options available for this $525,000 home in DUNEDIN.

🏛️

FHA Loan

$18,375 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

$26,250 Down

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

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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.

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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: October 24, 2026.

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