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Lakefront in Dunedin. Fenced backyard on the water. And a 2024 renovation list that covers the roof, the kitchen, and every window and door in the house.
This 3-bedroom, 2-bath home with a 1-car garage sits on the peaceful shore of Lazy Lake—one of those Dunedin addresses that residents know about and rarely give up. The backyard is large, fully fenced, and framed by mature tropical landscaping, with the lake as a constant backdrop. Morning coffee, evening sunsets, or simply a private outdoor space that doesn't require explaining: it's all here.
The 2024 kitchen remodel is the interior centerpiece—fully updated and flowing directly into the great room in an open-concept arrangement that makes the home feel larger than its footprint. The split floor plan keeps the primary suite separate from the two secondary bedrooms, a layout that works equally well for full-time living, hosting guests, or setting up a dedicated home office.
The capital improvement story is straightforward and recent: new roof (October 2024), hurricane-impact windows and doors (2024), and HVAC replaced in 2021. Everything structural and mechanical has been addressed. There's nothing on the deferred maintenance list because there is no deferred maintenance list.
Downtown Dunedin is minutes away—the restaurants, breweries, waterfront parks, and the Pinellas Trail are all part of the daily geography here. Honeymoon Island and the Gulf beaches are a short drive west. Both Tampa-area airports are within comfortable reach.
Lakefront homes in Dunedin move quietly and don't stay available. This one is ready.
Schedule your private showing today.
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$454,000
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $363,200 | $363,200 | $363,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.230% | 6.512% | 5.866% |
| Monthly Tax Payment | $85 | $85 | $85 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,148 | $2,266 | $2,992 |
| Total Monthly Payment | $2,308 | $2,426 | $3,152 |
* 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.