946 Virginia St #104, photo 1
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Overview

1 bd1 ba770 sqftCondominium
TypeCondominium
HOA$537/mo
Built1975
Living area770 sqft
Price / sqft$155

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

About this home

Built-in FeaturesCeiling Fans(s)Primary Bedroom Main FloorWalk-in Closet(s)CourtyardLightingPrivate EntrancePrivate Mailbox

946 Virginia St #104 is a 1975-built home in Heather Lake Apts Condo, Dunedin. Inside you'll find 1 bedrooms, 1 bathrooms, and 770 square feet of living space. Listed at $119,000 (about $155/sqft), 90 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $537 monthly.

From the listing

Waterfront Sunsets Await! First-Floor Condo in Heather Lake | 55+ Dunedin Community. Welcome to your own peaceful retreat in the highly desirable community of Heather Lake in beautiful Dunedin! This charming first-floor 1-bedroom, 1-bath condominium offers breathtaking pond views where you can relax with your morning coffee, watch ducks glide across the water, and end each day with spectacular Florida sunsets from your own backyard. Ideally located just minutes from vibrant Downtown Dunedin, you'll enjoy award-winning restaurants, boutique shopping, breweries, year-round festivals, and the popular Downtown Dunedin Farmers Market. Outdoor enthusiasts will love being just a short drive from the world-famous Honeymoon Island State Park, the Pinellas Trail, beautiful Gulf beaches, and endless opportunities for boating, kayaking, biking, and nature walks. Whether you're looking for a full-time residence or a seasonal Florida getaway, this move-in-ready condo offers the perfect combination of peaceful waterfront living and an active coastal lifestyle. Don't miss your opportunity to own an affordable slice of paradise in one of Dunedin's most sought-after communities!

The essentials

Built
1975
Price / sqft
$155
On market
90 days
Annual tax
$1,640
HOA
$537/mo
Flood zone
X500 · Low risk
Type
Condominium

At a glance

Condo
3 stories · 1975
Waterfront
Pond
770 sqft
Living area

Payment

Est. monthly payment
$1,354/mo
Down payment (20%)
$23,800
Property taxes
$137/mo
HOA
$537/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1975
Lot
-
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Pond
Days on Market
90
Built-in Features
Ceiling Fans(s)
Primary Bedroom Main Floor
Walk-in Closet(s)
Courtyard
Lighting
Private Entrance
Private Mailbox
Sprinkler Metered
Storage
Buyer Approval Required
Clubhouse
Community Mailbox
Sidewalks
Street Lights
Cooktop
Dishwasher
Disposal
Freezer
Microwave
Range
Refrigerator
Flood Zone X500
Annual Tax (2025)
$1,640
Parcel #
26-28-15-38020-010-1040

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
Heather Lake Apts Condo
County
Pinellas
MLS Area
34698 - Dunedin
Lot Size
-
HOA
$537/mo
Heather Lakes

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #TB8528946
$119,000-4.8%
$155/sqft
-
Price change
Source: Stellar MLS #TB8528946
$125,000-16.1%
$162/sqft
7/13/2026
Listed for sale
Source: Stellar MLS #TB8528946
$149,000
$194/sqft

Neighborhood

946 Virginia St #104
Dunedin, FL, 34698 · 34698 - Dunedin

Market insights

Offer Insights

Choose an offer strength

List price: $119,000
$115,000 – $119,000
96.8% – 100% of listTops out right at the list price
80% of listList price
43 of the last 84 condo closings in 34698 landed at this number or higher (51%). The median one sat 61 days before it went under contract, and this one is on day 90 after a $30,000 cut.

Sample: 84 closed condo sales in 34698 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,354/mo
Principal & interest$621
Property taxes$137
Insurance$60
HOA$537
Down payment20% · $23,800
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

$119,000

$155 per sq ft

Beds and baths

1 beds, 1 baths

Size

770 sq ft

Time on market

90 days

Year built

1975

Monthly payment

About $1,354/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,640 annual tax bill, insurance, and the $537/mo HOA fee.

HOA fee

$537/mo

Managed by Heather Lakes.

Flood zone

Zone X500

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

Offer

What should I offer?

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Brokered byFLORIDA LUXURY REALTY INCListing agent: Stephanie GoodeListing data from Stellar MLS, MLS# TB8528946.

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