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Introducing “The Coconut Cottage, ” an exceptional Downtown Dunedin Bungalow where timeless coastal charm meets modern luxury in one of the area’s most sought-after locations. Perfectly positioned within the coveted Downtown Core (DC), this rare offering is just two blocks from Main Street, moments from the Gulf of Mexico and located in a non-flood zone with NO HOA. Even more remarkable, the property is zoned for both residential and commercial use, allowing Short-Term Rentals (daily, weekly, monthly, or annual), creating a truly unique lifestyle and investment opportunity. Thoughtfully renovated with an effortless blend of finishes and authentic bungalow character, this 3-bedroom, 2-bath residence welcomes you with soaring vaulted ceilings, abundant natural light and an open-concept design that lives far larger than expected. Every detail has been carefully curated, from the wide-plank bamboo luxury waterproof flooring and coastal farmhouse trim to the matte black hardware, designer lighting, LED recessed lighting, hurricane-impact windows, and French doors that seamlessly connect indoor and outdoor living. At the heart of the home, the beautifully appointed kitchen combines style and functionality with soft-close white shaker cabinetry, butcher block countertops, a classic white beveled subway tile backsplash, Frigidaire Gallery Series appliances, a movable center island, and a dedicated interior laundry area complete with premium LG washer and dryer. Designed with privacy in mind, the desirable two-way split floor plan features a tranquil primary suite tucked away from the guest bedrooms. The en suite bath evokes a boutique coastal retreat with its striking blue subway-tiled walk-in shower, penny tile flooring, updated vanity, and refined finishes. Two additional bedrooms are thoughtfully positioned on the opposite side of the home and share a spacious, beautifully updated guest bath.
Significant improvements provide exceptional peace of mind, including a 2023 Roof, 2019 A/C, updated electrical and plumbing, hurricane-impact windows and a craftsman-style front entry door. Outside, the inviting yard offers a private coastal setting complete with crushed shell walkways, a fenced yard, a charming fire pit gathering area, additional storage and ample rear parking on the spacious corner lot.
The lifestyle is simply unmatched. Walk to Main Street’s award-winning restaurants, boutique shopping, breweries, the Pinellas Bike Trail, Dunedin Marina and spectacular waterfront sunsets at Edgewater Park. Leave the car behind or hop in your golf cart and experience one of Florida’s most beloved coastal communities exactly as it was meant to be enjoyed. Whether you’re seeking a distinctive primary residence, an elegant seasonal escape, an income-producing Short-Term Rental, The Coconut Cottage delivers a rare combination of location, versatility and enduring appeal. Extraordinary opportunities like this seldom become available in the heart of Downtown Dunedin. This is more than a home—it’s an invitation to embrace the quintessential Florida coastal lifestyle while owning one of Dunedin’s most unique and desirable properties.
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.
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Our Executive Mortgage Banker:
Our Insurance Division:
$850,000
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 | $680,000 | $680,000 | $680,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.000% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.263% | 6.121% | 6.183% |
| Monthly Tax Payment | $736 | $736 | $736 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,968 | $4,077 | $5,738 |
| Total Monthly Payment | $4,796 | $4,905 | $6,566 |
* 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.