2686 CRYSTAL CIRCLE, DUNEDIN, FL, 34698
Active131 days on marketListed Mar 10, 2026MLS #TB8482149
About this home
2686 CRYSTAL CIRCLE
This is a beautiful home built in 1998 and is in the desirable Waterford East subdivision. Great central location. Close to all that downtown Dunedin has as well as beautiful Gulf Coast beaches, such as Honeymoon Island and Tampa International Airport. The open floor plan and high ceilings provide so much natural light and is very unique. The living room has a cozy wood burning fireplace that is open to the kitchen, bar area, eating area and can be enjoyed by all. There are patio doors that lead out to an expansive patio that it adorned with pavers. The property offers a mature and manicured landscape that is flanked by a sidewalk and pavers to the front entry double doors and the huge 3 car garage. The facade has so many architectural details and is obvious from the moment you come upon this gem. The home is move in ready and has so many possibilities to give your own personal touch. Come see this lovely home and amazing neighborhood.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,367
Sqft
0.29 ac
Lot size
3
Garage
1998
Year built
One
Levels
$304
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,667 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,667/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Dunedin actives
$304 vs $296
Days on market
131 vs 51 typical
Where $304/sqft sits among the 269 Dunedin actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Dunedin
Drive times from this address
Get to know Dunedin. See the full Dunedin guide →
DUNEDIN 34698 — neighborhood snapshot
Population
37,817
Median age
58.1
Median income
$67,323
Median home value
$335,800
Avg household
2.04
Households w/ children
2,412
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dunedin market
$440K → $410K
Dunedin median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
150 of 269
Dunedin actives have cut their price
Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 140% above the DUNEDIN 34698 median. See the full Dunedin market guide →
Paper trail
This home's history
Reality check
What actually sold near 2686 CRYSTAL CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$589,000
1080 MCCARTY STREET
4 bd · 3 ba · 2,263 sqft · $260/sqft · 66 DOM
Sold · Nov ’25$730,000
1509 COACHLIGHT WAY
3 bd · 2 ba · 2,580 sqft · $283/sqft · 176 DOM
Sold · Sep ’25$455,000
2214 WILSHIRE DRIVE
3 bd · 2 ba · 2,116 sqft · $215/sqft · 154 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2686 CRYSTAL CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2686 CRYSTAL CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
2686 CRYSTAL CIRCLE FAQs
What would the monthly payment be for 2686 CRYSTAL CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,667/mo — principal and interest, the actual property-tax bill, the $29/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2686 CRYSTAL CIRCLE?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2686 CRYSTAL CIRCLE?+
The most recent tax bill on record (2025) was $3,875. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2686 CRYSTAL CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Dunedin?+
At $720,000, this home is listed about 81% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2686 CRYSTAL CIRCLE?+
Dunedin Highland Middle School (middle), Dunedin Elementary School (elementary), Dunedin High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$720,000 runs 140% above the DUNEDIN 34698 median — but at 2,367 sqft it's also nearly twice the size of the typical Dunedin listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
131 days on market against a Dunedin median of 51 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Dunedin Highland Middle School, Dunedin Elementary School, Dunedin High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $785,000, now $720,000 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MELENDY REAL ESTATE · Sue Melendy. MLS #TB8482149.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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