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426 Scotland St, Dunedin, FL, 34698

$510/sqft·Jones', Geo. L.

3 bd3 ba1,812 sqft2 car garageSingle Family
Listed by RE/MAX ACTION FIRST OF FLORIDA· Last updated · MLS# TB8546078

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Est. monthly payment
$5,932/mo
Down payment (20%)
$184,980
Property taxes
$645/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2009
2 car garage
Driveway
5,523 sqft lot
Lot size
1,812 sqft
Living area

About this home

Ceiling Fans(s)Living Room/Dining Room ComboPrimarybedroom UpstairsSplit BedroomWalk-in Closet(s)Awning(s)BalconySidewalk

426 Scotland St is a 2009-built home in Jones', Geo. L. Sub, Dunedin. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,812 square feet of living space. Listed at $924,900 (about $510/sqft), 2 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

WELCOME TO DOWNTOWN DUNEDIN LIVING — WITH AN AMAZING TWIST! Just a few blocks from the restaurants, breweries, shops, festivals and waterfront that make Downtown Dunedin one of Tampa Bay’s favorite destinations, this 2009-built 3 bedroom, 2.5 bath home offers something increasingly difficult to find in the heart of town: a spacious single-family home, an ATTACHED 2-CAR GARAGE and the potential for TRUE SHORT-TERM RENTAL USE!!!! Step inside to a light-filled living and dining area with an easy, comfortable flow, while the separate first-floor OFFICE gives you valuable flex space for working from home, hobbies or guests…... The kitchen connects conveniently to the main living areas, and a half bath completes the first floor….. Upstairs, the PRIMARY SUITE is anything but ordinary — an impressively large retreat with plenty of room for a sitting area, an OVERSIZED WALK-IN CLOSET, ensuite bath with dual sinks, soaking tub and separate shower, plus access to the expansive covered BALCONY overlooking the front of the home….. Two additional bedrooms, a second full bath and UPSTAIRS LAUNDRY round out the second floor….. Outside, enjoy Florida living from the covered front porch, upper balcony or the surprisingly generous and private outdoor spaces tucked behind the home, including a large deck and patio area perfect for dining, grilling and entertaining…… The side-entry garage and driveway provide the kind of parking and storage that can be especially valuable in a downtown location…... Major mechanical updates include TWO HVAC SYSTEMS IN 2024 & 2022, and the property also offers reclaimed-water irrigation and NO HOA……. Located in FLOOD ZONE X lenders typically do not require flood insurance….. And then there is the location: leave the car at home and immerse yourself in the Dunedin lifestyle, with Downtown, the Pinellas Trail, waterfront, marina and countless dining and entertainment options nearby…… For buyers considering an investment property, the property is currently identified as being within Dunedin’s DOWNTOWN CORE area, which may allow short-term rental use — an especially noteworthy opportunity in a market where many surrounding residential properties do not offer the same flexibility…... Buyer and Buyer’s Agent are responsible for independently verifying zoning, licensing and all requirements for intended rental use…. Whether you are searching for a full-time home, a Florida getaway or a property with income-producing possibilities, 426 SCOTLAND STREET PUTS DOWNTOWN DUNEDIN RIGHT OUTSIDE YOUR DOOR. Be sure to check out the video and Matterport 3d Tours!

The essentials

Built
2009
Price / sqft
$510
On market
3 days
Annual tax
$7,743
Flood zone
X · Low risk
Lot
5,523 sqft
Type
Single Family Residence

Location

426 Scotland St
Dunedin, FL, 34698·34698 - Dunedin
Type
Single Family Residence
Year Built
2009
Lot
5,523 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Garage Faces Side
Days on Market
3
Ceiling Fans(s)
Living Room/Dining Room Combo
Primarybedroom Upstairs
Split Bedroom
Walk-in Closet(s)
Awning(s)
Balcony
Sidewalk
Street Lights
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer

Elementary

San Jose 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 fileFlood Zone X

Annual Tax (2025)

$7,743

Parcel #

34-28-15-44280-000-0054

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

Jones', Geo. L. Sub

County

Pinellas

MLS Area

34698 - Dunedin

Lot Size

5,523 sqft

City LimitsSidewalkStreet One WayPaved
Date
Event
Price
9/8/2026
Listed for sale
Source: Stellar MLS #TB8546078
$924,900+184.6%
$510/sqft
9/1/2019
Sold
Source: Pinellas County Public Record
$325,000
$179/sqft
Est. monthly payment$5,931/mo
Principal & interest$4,824
Property taxes$645
Insurance$462
Down payment20% · $184,980
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%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $924,900
$920,000 – $924,900
99.5% – 100% of listTops out right at the list price
80% of listList price
83 of the last 164 home closings in 34698 landed at this number or higher (51%). The median one sat 40 days before it went under contract, and this one is on day 3.

Sample: 164 closed home sales in 34698 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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