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3495 Oak St, Dunedin, FL, 34698

$226/sqft·Oak Lake Heights

4 bd2 ba1,948 sqftSingle Family
Listed by REDFIN CORPORATION· Last updated · MLS# TB8514763

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Est. monthly payment
$2,663/mo
Down payment (20%)
$88,000
Property taxes
$148/mo
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 1971
Private pool
Above Ground
5,942 sqft lot
Lot size
1,948 sqft
Living area

About this home

Ceiling Fans(s)Eat-in KitchenOpen FloorplanPrimary Bedroom Main FloorWalk-in Closet(s)Private MailboxPrivate YardDryer

3495 Oak St is a 1971-built home in Oak Lake Heights, Dunedin. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,948 square feet of living space. Listed at $440,000 (about $226/sqft), 94 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

….OPEN TO OFFERS … LOWEST PRICE PER SQUARE FOOT in DUNEDIN !! Just a short ride to Dunedin Causeway, Honeymoon Island and Caladesi, this 4-bedroom, 2-bath home is the best deal in Dunedin at $236 per sq ft, with just under 2,000 sq ft. Unincorporated Dunedin in X Flood zone, this home is perfectly positioned for seasonal use , short-term rentals or for the next family to love! The bright and open great room creates a welcoming space for everyday living and entertaining. The kitchen offers stainless steel appliances, ample counter space, and multiple dining options to suit your lifestyle, while the living room fireplace serves as a warm and stylish focal point. The spacious primary suite features an updated ensuite bathroom and a walk-in closet, providing a private retreat at the end of the day. Three additional bedrooms share a full bath, with one bedroom offering its own exterior entrance, ideal for a variety of living arrangements, workspace needs, or guest privacy. Outside, enjoy a fenced backyard complete with an above-ground pool, creating the perfect setting for relaxing, entertaining, or enjoying the outdoors. A shed/carport provide added convenience for equipment, and storage needs. Conveniently located near shopping, dining, parks, and major roadways, this home offers easy access to everything the area has to offer.

The essentials

Built
1971
Price / sqft
$226
On market
100 days
Annual tax
$1,774
Flood zone
X · Low risk
Lot
5,942 sqft
Type
Single Family Residence

Location

3495 Oak St
Dunedin, FL, 34698·34698 - Dunedin
Type
Single Family Residence
Year Built
1971
Lot
5,942 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
Above Ground
Days on Market
100
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Primary Bedroom Main Floor
Walk-in Closet(s)
Private Mailbox
Private Yard
Dryer
Microwave
Range
Refrigerator
Washer
Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$1,774

Parcel #

18-28-16-62856-003-0120

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

Oak Lake Heights

County

Pinellas

MLS Area

34698 - Dunedin

Lot Size

5,942 sqft

Date
Event
Price
9/5/2026
Price change
Source: Stellar MLS #TB8514763
$440,000-2.2%
$226/sqft
Price change
Source: Stellar MLS #TB8514763
$449,900-2.2%
$231/sqft
6/3/2026
Listed for sale
Source: Stellar MLS #TB8514763
$460,000+286.6%
$236/sqft
12/1/2002
Sold
Source: Pinellas County Public Record
$119,000
$61/sqft
Est. monthly payment$2,663/mo
Principal & interest$2,295
Property taxes$148
Insurance$220
Down payment20% · $88,000
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%. 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: $440,000
$437,500 – $440,000
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 100 after a $20,000 cut.

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

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