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Welcome to San Ruffino Phase II, an elegant three-story luxury townhome offering 3 bedrooms, 2. 5 bathrooms, an in-home elevator, and just under 2, 400 square feet of beautifully designed living space, located within one of Downtown Dunedin’s most exclusive waterfront gated communities. With only 28 residences in the entire neighborhood, opportunities to own here are exceptionally rare. Completed in 2023 and built to Miami-Dade hurricane standards, this exceptional home blends quality construction, refined finishes, and effortless coastal living.
From the moment you arrive, the home makes a lasting impression. Concrete block construction, hurricane-impact windows and doors, and a timeless clay tile roof provide both durability and peace of mind, while the private walk-up entrance and spacious two-car garage offer the feel of a single-family home. The convenience of an in-home elevator connecting all three levels ensures comfortable and accessible living.
Step inside and discover a home where every detail has been thoughtfully elevated. French oak wood flooring, custom plantation shutters, elegant metal banisters, and a striking stone accent wall create a sophisticated yet inviting atmosphere. The entry patio has been beautifully tiled to match the foyer, and the home features custom built-ins, finished bedroom closets, and a fully upgraded pantry complete with built-in storage and a handmade pot rack. Phantom retractable screens on both verandas allow you to enjoy the fresh coastal breeze while maintaining privacy and comfort.
At the center of the home is a gourmet chef’s kitchen designed for both entertaining and everyday living. Featuring quartz countertops, solid wood cabinetry, and premium Fulgor Milano appliances, including a state-of-the-art induction cooktop, refrigerator, dishwasher, and microwave, the space delivers both beauty and top-tier performance. Quartz finishes continue throughout the bathrooms, while low-energy lighting enhances the home’s modern efficiency.
Beyond the walls of the home lies a lifestyle few communities can offer. San Ruffino residents enjoy resort-style waterfront amenities, including a sparkling pool, hot tub, fishing dock, and kayak and paddleboard launch. Just steps away, the Pinellas Trail provides access to more than 75 miles of scenic biking and walking paths, while the shops, restaurants, breweries, marina, and year-round festivals of Downtown Dunedin are only an eight-minute walk away.
With both eastern and western exposures, the home is filled with natural light throughout the day. Adjacent to the property is the peaceful Wilson Street waterfront park, shaded by majestic oak trees and offering tranquil green space along the water.
Offering more space and privacy than a traditional condominium with far less maintenance than a single-family home, this residence is ideal as a full-time home, seasonal retreat, or lock-and-leave coastal getaway. The HOA includes waterfront living insurance, providing additional value and peace of mind!
San Ruffino Phase II represents the perfect blend of luxury, lifestyle, and location—an exceptional opportunity to experience waterfront living in one of Dunedin’s most coveted communities. Furniture may be included. Schedule your showing today!
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Our Executive Mortgage Banker:
Our Insurance Division:
$869,000
William Raveis Real Estate
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 | $695,200 | $695,200 | $695,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.312% | 6.235% | 6.164% |
| Monthly Tax Payment | $764 | $764 | $764 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $4,112 | $4,224 | $5,866 |
| Total Monthly Payment | $4,968 | $5,080 | $6,722 |
* 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.