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Priced 50k BELOW appraised value! Clean 4 point inspection! Seller motivated! Key West–inspired conch-style elegance meets timeless historic charm in the heart of Downtown Dunedin at 637 Scotland Street. Located on one of the area’s iconic brick-lined streets within the Historic Downtown District, this extraordinary home offers 3 bedrooms, 3 full bathrooms, and over 3, 200 square feet of heated living space—a rare combination of character, space, and walkability.
Lovingly owned by the same family for over 25 years and fully restored with exceptional care, this home blends early-1900s craftsmanship with thoughtful modern updates while preserving its vintage soul. From the moment you arrive, the white picket fence, mature tropical landscaping, and charming walkway invite you onto a storybook front porch with soaring ceilings, setting the tone for what lies inside.
Step into a warm and inviting living space featuring refinished wood floors throughout, custom built-in cabinetry, and architectural details that tell a story at every turn. The primary suite on the main level offers a spacious bedroom and a large en-suite bath, creating a private and comfortable retreat.
The kitchen is truly one of a kind, featuring rare vintage soapstone countertops, custom cabinetry, and gas appliances—perfectly blending Key West flair with historic elegance. Crown molding, oversized baseboards, and preserved accents maintain the authentic character of this early-1900s gem.
The home continues to impress with a charming dining area and an expansive open loft upstairs, ideal as a movie room, entertainment space, or flex living area, complete with an additional bedroom and full bathroom. A walk-in attic provides generous storage, adding both convenience and function.
Step outside and discover a backyard unlike any other. The property is home to a published backyard railway, featured on the 2014 National Backyard Railway Tour—a truly rare and celebrated highlight that adds to this home’s one-of-a-kind story. Paver pathways, a private patio, outdoor entertaining spaces, and lush tropical landscaping create a magical setting, with a hot tub tucked along the side of the home for relaxing evenings under the stars.
Additional features include alley access, a detached garage, off-street parking, and covered golf cart parking, making downtown living effortless. Major updates include a metal roof (2004) and a new A/C system installed in 2022.
And best of all—you’re just steps from everything Downtown Dunedin has to offer. Walk, bike, or take your golf cart to restaurants, shops, breweries, festivals, the waterfront, and the Pinellas Trail.
More than a home—this is a Key West–inspired lifestyle wrapped in historic charm, in one of the most desirable locations in Dunedin.
Schedule your private showing today—because a home this special rarely comes to market.
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Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,000,000 | $1,000,000 | $1,000,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 6.000% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.214% | 6.145% | 5.846% |
| Monthly Tax Payment | $0 | $0 | $0 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,757 | $5,996 | $8,237 |
| Total Monthly Payment | $5,882 | $6,121 | $8,362 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.