Dunedin
Mortgages

Dunedin by the numbers

Median prices: Florida Realtors, August 2026 metro report. These are metro-wide figures, not Dunedin alone. Loan limits: HUD and FHFA.

Most Dunedin homes sit under the county's conforming limit. Waterfront homes on Edgewater Drive and in Dunedin Isles can run past $832,750 into jumbo territory.

What buyers in Dunedin should know

• The waterfront has flood risk. Hurricane Helene's 2024 surge reached parts of Dunedin's waterfront. Get the elevation certificate and a flood quote before you offer on anything west of Alt 19.
• Older homes need a roof check. Many houses date from the 1950s to the 1970s. Roof age and a 4-point inspection affect whether you can get insurance. See Florida property insurance.
• Downtown and waterfront condos must pass the lender's condo review. Older buildings fall under Florida's milestone-inspection and reserve rules.
• Buying to rent nightly? Check the city's short-term rental rules before you count on that income. Our short-term rental guide covers the financing side.

Where buyers look

• Downtown Dunedin: older homes and townhomes within walking distance of Main Street and the Pinellas Trail.
• Edgewater Drive: bayfront condos and homes facing St. Joseph Sound.
• Dunedin Isles: canal and waterfront homes in the north end.
• East Dunedin: established subdivisions toward Countryside.

Homestead and property taxes

File for the homestead exemption with the Pinellas County Property Appraiser by March 1 of the year after you close. Your bill resets to the new assessed value after a sale, so don't budget on the seller's taxes.

Nearby: St. Petersburg · Clearwater · Largo · Palm Harbor · Tarpon Springs