1976 Dunloe Cir, photo 1
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Overview

5 bd3 ba3,299 sqft3 car garageSingle Family
TypeSingle Family
HOA$400/yr
Built1992
Lot25,992 sqft
Living area3,299 sqft
Price / sqft$553
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorSolid Wood Cabinets

1976 Dunloe Cir is a 1992-built home in Stirling Heights, Dunedin. Inside you'll find 5 bedrooms, 3 bathrooms, and 3,299 square feet of living space. Listed at $1,825,000 (about $553/sqft), 99 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $400 annually.

From the listing

REDUCED!!!!This home is a complete gem. You cannot duplicate this property, as it is nestled on an oversized 0.60-acre lot in one of Dunedin's most coveted enclaves. This exceptional waterfront residence embodies the rare marriage of timeless charm and spacious living. Majestic oak trees frame the property, while expansive, beautifully landscaped grounds set the stage for the dream that awaits. A wide front porch welcomes you upon arrival, offering plenty of space for rocking chairs and quiet mornings. Upon entering, a spacious hacienda-style first-floor layout reveals a gorgeous great-room floor plan with a fireplace and multiple sets of French doors that wrap around the home, providing beautiful views of the spring-fed lake and opening to the expansive enclosed pool, spa, and patio area. The custom kitchen includes ceramic tile floors, beautiful custom cabinetry, a center island, and granite countertops. High-end appliances complete the kitchen, along with a built-in desk and walk-in pantry. The oversized primary bedroom measures 14' x 37' and includes an area that can be used for exercise, yoga, an office, or a quiet sitting area. French doors lead out to the pool and patio area with views of the lake. The luxurious en-suite primary bath boasts a steam shower, separate his-and-her vanities, and a large soaking tub. The enormous primary closet is fully customized cabinetry, built-in drawers, and abundant storage. Off the kitchen is a large bonus room with direct pool access through French doors that can effortlessly transform into a bedroom, game room, art studio, or whatever your imagination desires. The oversized laundry room includes custom built-in cabinetry and a utility sink. There is also an office with uniquely designed custom cabinetry and a centrally located half bathroom. Upstairs, you will find three additional large bedrooms with dormer windows and plenty of closet space. The full bathroom is beautifully appointed. Step outside to your oversized pool and heated spa, surrounded by quartz tile pavers and completely enclosed within a screened lanai spanning 1,992 square feet. Multiple seating areas provide plenty of places to relax and entertain. Beyond the pool area lies your own private backyard sanctuary. Beautiful, mature oak, mango, Florida apple, and banana trees line a brick-paver path leading to the spring-fed lake, fire pit, and floating dock. You may spot otters, owls, and herons that call this area home. A large three-car garage provides ample space for vehicles, a golf cart, storage, or a workshop. Recent updates include a new spa heater, a whole-home generator installed in 2022 with its own propane tank, two new A/C units installed in 2025, freshly sealed pavers around the pool deck, and a 10-year roof sealant. Location! Ideally situated near Honeymoon Island State Park, the Pinellas Trail, and downtown Dunedin's charming shops, restaurants, and entertainment. The location even allows you to drive your golf cart into downtown Dunedin. This home is unique, unforgettable, and far from the typical cookie-cutter Florida property. A must-see!

The essentials

Built
1992
Price / sqft
$553
On market
99 days
Annual tax
$7,893
HOA
$400/yr
Flood zone
X · Low risk
Lot
25,992 sqft
Type
Single Family Residence

At a glance

Single family
Built 1992
Waterfront
Lake Front
Private pool
Auto Cleaner
3 car garage
Oversized
0.60 acres
Lot size

Payment

Est. monthly payment
$11,122/mo
Down payment (20%)
$365,000
Property taxes
$658/mo
HOA
$400/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1992
Lot
25,992 sqft
Cooling
Central Air, Attic Fan
Heating
Central, Electric
Parking
Oversized, Garage
Pool
Auto Cleaner, Deck, Gunite, In Ground, Lighting, Pool Sweep, Screen Enclosure, Tile
Waterfront
Lake Front
Days on Market
99
Built-in Features
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Fire Pit
Lighting
Private Yard
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Range
Range Hood
Refrigerator
Washer
Water Filtration System
Elementary
Garrison-Jones Elementary-PN
Middle
Palm Harbor Middle-PN
High
Dunedin High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$7,893
Parcel #
23-28-15-85507-000-0360

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Stirling Heights
County
Pinellas
MLS Area
34698 - Dunedin
Lot Size
25,992 sqft
LandscapedOversized LotSidewalkPavedPrivate
HOA
$400/yr
Kelly Kennedy

Price history

Date
Event
Price
9/30/2026
Price change
Source: Stellar MLS #TB8525649
$1,825,000-1.4%
$553/sqft
7/3/2026
Listed for sale
Source: Stellar MLS #TB8525649
$1,850,000
$561/sqft

Neighborhood

1976 Dunloe Cir
Dunedin, FL, 34698 · 34698 - Dunedin

Market insights

Offer Insights

Choose an offer strength

List price: $1,825,000
$1.81M – $1.82M
99.1% – 100% of listTops out right at the list price
80% of listList price
102 of the last 203 home closings in 34698 landed at this number or higher (50%). The median one sat 39 days before it went under contract, and this one is on day 99 after a $25,000 cut.

Sample: 203 closed home sales in 34698 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$11,122/mo
Principal & interest$9,518
Property taxes$658
Insurance$913
HOA$33
Down payment20% · $365,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,825,000

$553 per sq ft

Beds and baths

5 beds, 3 baths

Size

3,299 sq ft

Time on market

99 days

Year built

1992

Monthly payment

About $11,122/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,893 annual tax bill, insurance, and the $400/yr HOA fee.

HOA fee

$400/yr

Managed by Kelly Kennedy.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byEXP REALTY LLCListing agent: Nathaniel JoyerListing data from Stellar MLS, MLS# TB8525649.

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