970 Virginia St #103, photo 1
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Overview

1 bd1 ba795 sqftCondominium
TypeCondominium
HOA$494/mo
Built1978
Lot795 sqft
Living area795 sqft
Price / sqft$106

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

About this home

Ceiling Fans(s)Living Room/Dining Room ComboPrimary Bedroom Main FloorWalk-in Closet(s)CourtyardBuyer Approval RequiredClubhousePool

970 Virginia St #103 is a 1978-built home in Heather Lake Apts Condo, Dunedin. Inside you'll find 1 bedrooms, 1 bathrooms, and 795 square feet of living space. Listed at $83,900 (about $106/sqft), 74 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $494 monthly.

From the listing

Welcome to easy Florida living in the highly desirable Heather Lake Condo community in Dunedin, FL! Another wonderful opportunity to purchase this value priced 1 bedroom, 1 bath in the most sought-after, most vibrant, most walkable, waterfront and golfcart community in Pinellas County. This charming 1-bedroom, 1-bath FIRST-FLOOR unit offers comfort and convenience in a vibrant 55+ community within complete walking distance, a short bike ride or quick cart ride to Dunedin’s Downtown area which is known for its artsy, laid-backed, key west atmosphere with a strong community spirit. Also known for its Scottish heritage and golf cart culture. With its renowned walkability you have quick access to a plethora of restaurants, shops, breweries, seafood, live music, marinas, waterfront parks and the Toronto Blue Jay's Stadium. The pickleball courts are just next door at Eagles Park, and the famous sunsets are just a few blocks away. Enjoy peaceful mornings in your private screened-in patio. Inside, the condo offers a functional layout and complete with furnishings, making it truly move-in ready or ideal for a seasonal retreat. Heather Lake residents enjoy a wealth of amenities, including a large, heated pool and an active clubhouse filled with social events and activities. The monthly HOA fee provides exceptional value, covering water, sewer, trash, exterior building and grounds maintenance, readily available onsite management, and both cable AND internet. Leaving you with only an electric bill to pay. Located in a non-evacuation zone and high and dry in Flood Zone X, this property offers added peace of mind. Blocks from the 38-mile Pinellas trail, 5 miles to Clearwater Beach and just 4 miles from the pristine shores of the famous Honeymoon Island with quick access to Caladesi Island. Only 25 to 30 minutes to Tampa International Airport. Won't last long at this value!! Don't Delay! See Today! Roof replaced in 2024 HVAC replaced Iin 2024 and hot water heater in 2019.

The essentials

Built
1978
Price / sqft
$106
On market
74 days
Annual tax
$549
HOA
$494/mo
Flood zone
X · Low risk
Lot
795 sqft
Type
Condominium

At a glance

Condo
3 stories · 1978
Community pool
Shared amenity
795 sqft
Living area

Payment

Est. monthly payment
$1,020/mo
Down payment (20%)
$16,780
Property taxes
$46/mo
HOA
$494/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1978
Lot
795 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Covered, Guest
Days on Market
74
Ceiling Fans(s)
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Walk-in Closet(s)
Courtyard
Buyer Approval Required
Clubhouse
Pool
Sidewalks
Electric Water Heater
Exhaust Fan
Range
Range Hood
Refrigerator
Elementary
Dunedin Elementary-PN
Middle
Dunedin Highland 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)
$549
Parcel #
26-28-15-38029-000-1030

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
795 sqft
Sidewalk
HOA
$494/mo
Mary Hodnott

Price history

Date
Event
Price
10/5/2026
Price change
Source: Stellar MLS #TB8533933
$83,900-6.7%
$106/sqft
-
Price change
Source: Stellar MLS #TB8533933
$89,900-0.1%
$113/sqft
7/29/2026
Listed for sale
Source: Stellar MLS #TB8533933
$90,000
$113/sqft

Neighborhood

970 Virginia St #103
Dunedin, FL, 34698 · 34698 - Dunedin

Market insights

Offer Insights

Choose an offer strength

List price: $83,900
$81,000 – $83,900
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 74 after a $6,100 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
$1,019/mo
Principal & interest$438
Property taxes$46
Insurance$42
HOA$494
Down payment20% · $16,780
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

$83,900

$106 per sq ft

Beds and baths

1 beds, 1 baths

Size

795 sq ft

Time on market

74 days

Year built

1978

Monthly payment

About $1,020/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $549 annual tax bill, insurance, and the $494/mo HOA fee.

HOA fee

$494/mo

Managed by Mary Hodnott.

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 byBETTER CHOICE REAL ESTATEListing agent: Kelly SnowListing data from Stellar MLS, MLS# TB8533933.

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