1240 BLUFFS CIRCLE, Dunedin, FL, 34698 | $623,000

A rare offering in Scotsdale Bluffs, one of Dunedin’s most established and sought-after residential enclaves. The neighborhood is only a mile and a half from Downtown Dunedin and the Pinellas Trail! Located in a non-flood (X) zone, this residence combines timeless design, thoughtful upgrades, and enduring location value. This three-bedroom, two-bath home with a two-car garage features vaulted ceilings, tile flooring throughout the main living areas, plantation shutters, and a well-proportioned, functional layout that balances comfort and sophistication. The kitchen is appointed with stainless steel appliances, a breakfast bar, a closet pantry, and an indoor laundry area. A split-bedroom floor plan enhances privacy. The primary suite offers a walk-in closet and a beautifully updated en-suite bath with dual vanities, a soaking tub, and a separate walk-in shower. Two additional bedrooms share a full bath, ideal for guests or a home office configuration. The family room opens to a screened-in patio overlooking a fully fenced backyard, complete with an additional concrete pad—well suited for refined outdoor living and offering ample space to accommodate a future pool. Notable improvements include a 2018 roof, 2019 primary bath renovation, 2024 HVAC system, hurricane impact windows and accordion shutters (2024), 2023 dishwasher, and 2025 garage door motor and hardware. Meticulously maintained and move-in ready, this residence presents a rare opportunity to secure a quality home in one of Dunedin’s most enduring neighborhoods.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 63 x 105
  • Laundry: Electric Dryer Hookup, In Kitchen, Inside, Laundry Closet
  • Style: Florida, Ranch
  • Year Built: 1998
  • Garage: 2-car Driveway, Garage Door Opener, Guest, Off Street
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,670
  • Acreage: 0.15
  • Lot Size: 63 x 105
  • Est. Taxes: $4,730
  • HOA Fee: $50 Monthly
  • Lot Desc: City Lot, In County, Landscaped, Near Golf Course, Sidewalk, Sloped
  • View: Garden
  • Elem. School: Dunedin Elementary-PN
  • Middle School: Dunedin Highland Middle-PN
  • High School: Dunedin High-PN
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Trash Compactor, Washer, Wine Refrigerator
  • MLS#: TB8488073
  • Days on Market: 16 days
  • Website: https://www.raveis.com
    /prop/TB8488073/1240bluffscircle_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 4/21/2026 6:35:11 PM)
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE   Phone: 727-342-3800

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

1240 BLUFFS CIRCLE, Dunedin, FL, 34698

$623,000

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 $498,400 $498,400 $498,400
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.403% 6.431% 5.668%
Monthly Tax Payment $394 $394 $394
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,985 $3,069 $4,039
Total Monthly Payment $3,471 $3,555 $4,525

* 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.