946 VIRGINIA STREET, #104, Dunedin, FL, 34698 | $99,900

Carefree condo Living in highly desirable Dunedin! This ground-floor, one bedroom one bath unit is ideally situated in a quiet and peaceful area of the 55+ Heather Lakes community and offers beautiful pond and nature views. Just a short stroll to downtown Dunedin, the Pinellas Trails and Honeymoon Island, this location is perfect for enjoying the best of Florida living. The open floor plan features a spacious living room and ding area, along with an additional sitting area overlooking the tranquil pond. The updated kitchen is light and bright. Nice size primary bedroom includes a walk-in closet, and the beautifully updated bathroom adds a modern touch. Laminate flooring runs throughout the unit - no carpet. A secure storage hall is perfect for bicycle storage; a barbecue grill is also located directly across the unit for easy outdoor cooking. The unit includes covered parking, space #21 plus additional guest parking. Enjoy a scenic walk along the community sidewalks and across a charming bridge leading to the gorgeous community pool and a spacious clubhouse which features a full kitchen, ideal for social gathering and entertaining. The monthly fees of $661. 00 covers: Roof maintenance, Basic Cable TV, Internet, Community Pool, Clubhouse, exterior Maintenance, Ground maintenance, on site Management, Pool Maintenance, Recreational Facilities, Sewer, Trash and Water. (Not in a Flood Zone) Walk, Bike or Jog to Downtown Dunedin, or take advantage of the nearby bus line and hop on the Jolly Trolly to explore downtown shops, fine dining, local breweries the Dunedin Marina, the Pinellas Trail, Honeymoon Island and the renowned Clearwater Beach. Come experience the Florida lifestyle you've been waiting for!

Features

  • Elevator: Y
  • Heating: Central
  • Cooling: Central Air
  • Levels: 1
  • Rooms: 4
  • Bedrooms: 1
  • Baths: 1 full
  • Laundry: Common Area
  • Complex: HEATHER LAKE APTS CONDO
  • Year Built: 1975
  • Approx Sq. Feet: 770
  • Acreage: 1.39
  • Est. Taxes: $1,640
  • Condo Fee: $537 Monthly
  • View: Water
  • Adult Communities: Yes
  • Elem. School: Garrison-Jones Elementary-PN
  • High School: Dunedin High-PN
  • Pet Policy: No
  • Appliances: Microwave, Range Hood, Refrigerator
  • MLS#: TB8484199
  • Days on Market: 43 days
  • Website: https://www.raveis.com
    /prop/TB8484199/946virginiastreet_dunedin_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 6/4/2026 8:47:07 AM)
Listing courtesy of RE/MAX REALTEC GROUP INC   Phone: 727-789-5555

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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946 VIRGINIA STREET, #104, Dunedin, FL, 34698

$99,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $79,920 $79,920 $79,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.628% 5.866%
Monthly Tax Payment $137 $137 $137
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $479 $505 $658
Total Monthly Payment $691 $717 $870

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.