Seller's Agent in 2025
Curt Bush
MDM NAPLES REAL ESTATE LLC
(206) 819-4999
2 in this area
5 Total Sales
2630 St Josephs Dr W Dunedin, FL 34698
2
Beds
2
Baths
1,152
Sq Ft
1,694
Sq Ft Lot
Highlights
- Beach Access
- Open Floorplan
- Attic
- Property fronts gulf or ocean
- Coastal Architecture
- Sun or Florida Room
About This Home
As of November 2025JUST REDUCED $50,000 – For Sale or For Rent
Waterfront Paradise on Dunedin Causeway – No HOA, No Monthly Fees!
When you think of a true Florida dream home, what comes to mind? For most, it’s the sound of gentle waves rolling against the shoreline, a breeze carrying the scent of saltwater through open windows, and a front-row seat to watch dolphins play as the sun dips below the horizon. It’s mornings where you sip coffee while pelicans skim the water’s surface, afternoons filled with kayaking or paddleboarding just steps from your door, and evenings that feel like a private showing of the Gulf Coast’s famous golden sunsets.
This is the reality waiting for you on exclusive Ward Island, where a rare opportunity has just become even more enticing. This 2-bedroom, 2-bath waterfront townhome isn’t just another listing on the market — it’s a lifestyle upgrade, a gateway to a life of freedom, and a chance to own or rent in one of Dunedin’s most coveted waterfront locations. And now, with the price reduced by $50,000, the dream is closer than ever.
A Home That Feels like Vacation Every Day
Imagine waking up, sliding open your impact-rated windows, and being greeted not by traffic or neighbors, but by the sparkling water just beyond your balcony. The birds provide your morning soundtrack. The sunrise paints the sky in hues of pink, orange, and gold. You stretch, step onto your private balcony, and feel the kind of peace that only waterfront living can bring.
This isn’t just a home — it’s a retreat. It’s a chance to live like every day is a getaway, without ever packing a bag.
Freedom Without Restrictions
One of the biggest frustrations buyers face along Florida’s waterfront is the endless web of restrictions, fees, and obligations tied to HOAs and condo associations. Monthly dues that climb every year, special assessments that hit when you least expect them, and a rulebook dictating how you live in your own home.
Here, none of that applies. With no HOA, no CDD, and zero monthly fees, you get something rare: true ownership freedom. Park your car without worrying about permits. Keep your kayak or paddleboard close by without board approval. Renovate, decorate, and enjoy your home your way.
It’s not just a property; it’s independence.
A Lifestyle That’s Always in Demand
Dunedin’s waterfront is more than beautiful views — it’s a community pulsing with energy and charm. Travel from around the country to spend even a week here, chasing the very lifestyle you could enjoy every day. Owning or renting this townhome puts you in the middle of it all: the Causeway, Honeymoon Island, downtown Dunedin’s festivals, and the Pinellas Trail all within minutes.
And yet, despite the buzz, Ward Island offers a sense of privacy, exclusivity, and quiet. It’s the balance every coastal buyer craves close to everything but tucked away just enough to feel like your own slice of paradise.
Opportunities like this rarely come twice. Waterfront property on Dunedin Causeway is limited, and demand only continues to grow. Add to that the recent $50,000 price reduction, and you’ve got the perfect combination of value and exclusivity. Whether you’re ready to purchase your forever home, invest in a high-demand rental, or secure a long-term coastal retreat through leasing, this property won’t wait around.
This is more than a listing. It’s your chance to live the Gulf Coast dream, in a home that gives you freedom, beauty, and long-term value.
Townhouse Details
Home Type
- Townhome
Est. Annual Taxes
- $7,391
Year Built
- Built in 1964
Lot Details
- 1,694 Sq Ft Lot
- Property fronts gulf or ocean
- East Facing Home
- Landscaped with Trees
Home Design
- Coastal Architecture
- Block Foundation
- Shingle Roof
- Block Exterior
Interior Spaces
- 1,152 Sq Ft Home
- 2-Story Property
- Open Floorplan
- Bar Fridge
- Dry Bar
- Ceiling Fan
- Electric Fireplace
- ENERGY STAR Qualified Windows
- Insulated Windows
- Window Treatments
- Family Room
- Living Room
- Sun or Florida Room
- Inside Utility
- Full Gulf or Ocean Views
- Attic
Kitchen
- Eat-In Kitchen
- Convection Oven
- Range
- Recirculated Exhaust Fan
- Microwave
- Ice Maker
- Dishwasher
- Wine Refrigerator
- Solid Surface Countertops
- Solid Wood Cabinet
- Disposal
Flooring
- Laminate
- Concrete
- Luxury Vinyl Tile
Bedrooms and Bathrooms
- 2 Bedrooms
- Primary Bedroom Upstairs
- 2 Full Bathrooms
Laundry
- Laundry Room
- Dryer
Home Security
Parking
- Driveway
- On-Street Parking
- Off-Street Parking
Outdoor Features
- Beach Access
- Water access To Gulf or Ocean
- Seawall
- Balcony
- Screened Patio
- Exterior Lighting
- Private Mailbox
- Rear Porch
Location
- Flood Zone Lot
- Property is near a golf course
Schools
- Dunedin Elementary School
- Dunedin Highland Middle School
- Dunedin High School
Utilities
- Central Heating and Cooling System
- Thermostat
- Tankless Water Heater
- Phone Available
- Cable TV Available
Listing and Financial Details
- Visit Down Payment Resource Website
- Tax Lot 19
- Assessor Parcel Number 15-28-15-23184-000-0190
Community Details
Overview
- No Home Owners Association
- Dunedin Cswy Center Subdivision
Pet Policy
- Pets Allowed
Additional Features
- Community Mailbox
- Storm Windows
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jun 1, 2023
Closed on
Jul 13, 2023
Sold by
Melchior Timothy
Bought by
Scheffer Eric John and Scheffer Laura Suzanne
Seller's Agent
Marnie Trainor
PAM RYAN REALTY INC
Buyer's Agent
Marnie Trainor
PAM RYAN REALTY INC
List Price
$590,000
Sold Price
$575,000
Premium/Discount to List
-$15,000
-2.54%
Views
46
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
3.63%
Original Mortgage
$460,000
Outstanding Balance
$448,114
Interest Rate
6.79%
Mortgage Type
New Conventional
Estimated Equity
$178,029
Purchase Details
Closed on
Mar 21, 2022
Sold by
Chandler William M and Chandler Brigette E
Bought by
Melchior Timothy
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$416,000
Interest Rate
4.16%
Mortgage Type
New Conventional
Purchase Details
Closed on
Aug 31, 2020
Sold by
Ter Melkestian Jacquelybn S and Berg Christine G
Bought by
Chander William M and Chander Brigette E
Purchase Details
Closed on
Jul 15, 2020
Sold by
Ter Meliksetian Jacquelyn S and Berg Christine G
Bought by
Ter Meliksetian Jacquelyn S and Berg Christine G
Purchase Details
Closed on
Jul 8, 2016
Sold by
Ter Melikstian Jacquelyn S
Bought by
Berg Christine G and Ter Heliksetian Jacquelyn S
Purchase Details
Closed on
Jul 1, 2016
Bought by
Ter-Meliksetian Jacquelyn S
Purchase Details
Closed on
Jan 11, 2007
Sold by
Lynch Gisela L
Bought by
Lynch Gisela L and Lynch Jacquelyn S
Purchase Details
Closed on
Oct 5, 1999
Sold by
Sawitoski Michael A and Sawitoski Janice L
Bought by
Lynch James J and Lynch Gisela L
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$93,600
Interest Rate
7.89%
Mortgage Type
New Conventional
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $575,000 | None Listed On Document | |
| Warranty Deed | $550,000 | Fidelity National Title | |
| Warranty Deed | $300,000 | Frontier Title Group Llc | |
| Warranty Deed | $300,000 | Frontier Title Group | |
| Interfamily Deed Transfer | -- | None Available | |
| Quit Claim Deed | -- | None Available | |
| Deed | $100 | -- | |
| Interfamily Deed Transfer | -- | None Available | |
| Warranty Deed | $117,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $460,000 | New Conventional | |
| Previous Owner | $416,000 | New Conventional | |
| Previous Owner | $89,421 | New Conventional | |
| Previous Owner | $93,600 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 11/26/2025 11/26/25 | Sold | $650,000 | -7.0% | $564 / Sq Ft | |
| 10/27/2025 10/27/25 | Pending | -- | -- | -- | |
| 09/27/2025 09/27/25 | Price Changed | $699,000 | -3.6% | $607 / Sq Ft | |
| 09/16/2025 09/16/25 | Price Changed | $725,000 | -3.3% | $629 / Sq Ft | |
| 07/08/2025 07/08/25 | For Sale | $750,000 | +30.4% | $651 / Sq Ft | |
| 07/14/2023 07/14/23 | Sold | $575,000 | -2.5% | $499 / Sq Ft | View Prior Sale |
| 06/10/2023 06/10/23 | Pending | -- | -- | -- | |
| 06/01/2023 06/01/23 | For Sale | $590,000 | -- | $512 / Sq Ft |
Source: Stellar MLS
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $7,722 | $471,308 | -- | $471,308 |
| 2023 | $7,722 | $440,587 | $0 | $440,587 |
| 2022 | $6,049 | $398,829 | $0 | $398,829 |
| 2021 | $5,287 | $285,769 | $0 | $0 |
| 2020 | $4,759 | $258,294 | $0 | $0 |
| 2019 | $4,691 | $284,176 | $0 | $284,176 |
| 2018 | $4,263 | $252,049 | $0 | $0 |
| 2017 | $3,659 | $188,686 | $0 | $0 |
| 2016 | $3,718 | $188,705 | $0 | $0 |
| 2015 | $4,140 | $205,465 | $0 | $0 |
| 2014 | $1,341 | $108,204 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Curt Bush
-
Marnie Trainor
Seller's Agent in 2023
Marnie Trainor
PAM RYAN REALTY INC
(312) 307-3403
2 in this area
22 Total Sales
Map
Source: Stellar MLS
MLS Number: TB8405068
APN: 15-28-15-23184-000-0190
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Listing Information presented by local MLS brokerage: Ten-X - (888)-952-6393
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