Steeve Cadeau
$750,0005 bd3 ba2,634 sqft$285 /sqft$5,029 /mo all-in ↓

3146 CARLOS DRIVE, DUNEDIN, FL, 34698

Active63 days on marketListed May 22, 2026MLS #TB8509592

Single Family ResidenceSPANISH ACRES

About this home

3146 CARLOS DRIVE

Welcome Home to Spanish Acres – One of Dunedin's Most Established and Desirable Neighborhoods! Nestled on an oversized fully fenced corner lot of more than ¼ acre, this spacious and versatile 5-bedroom, 3-bathroom pool-ready property with a 2-car garage offers a rare combination of size, flexibility, income potential, and future expansion opportunities that are becoming increasingly difficult to find in today's market. From the moment you enter, you'll appreciate the warm and inviting atmosphere of this thoughtfully designed home. The welcoming foyer opens to expansive living spaces that provide room for everyone, featuring two separate living rooms, a formal dining room, and an ideal layout for both everyday living and entertaining. The heart of the home is the updated kitchen, complete with stainless steel appliances, abundant cabinetry, and easy access to the dining and gathering areas. Whether you're hosting holiday dinners, family celebrations, or casual weekend get-togethers, this home was designed to bring people together. One of the most desirable features is the incredible flexibility for multi-generational living. The main home includes a spacious downstairs primary suite, an additional guest bedroom on the first floor, and ample room upstairs with 3 more bedrooms for family members, guests, hobbies, or home office space. Adding even more value to this amazing home is the opportunity to offer a private income-producing 1-bedroom, 1-bath apartment/in-law suite, complete with its own private entrance, full kitchen, living room, and separate bath. This is Perfect for extended family, adult children, guests, a caregiver, or long-term rental income. Step outside and discover your own private backyard retreat. The oversized fenced yard is dotted with delicious mature tropical fruit trees and offers endless possibilities for gardening, entertaining, pets, recreation, or future enhancements. Relax on the covered deck, enjoy outdoor dining and cookouts. With so much outdoor space, you'll have room to create the backyard oasis you've always envisioned. For buyers seeking future flexibility, the property has been approved to add a detached accessory dwelling unit (ADU), creating an incredible opportunity for additional living quarters, guest accommodations, rental income, a home office, studio, or private retreat. Major updates provide peace of mind, including: NO FLOOD INSURANCE NO HOA - Bring Your Big Boy Toys! NEW Roof (2025) AC 5 Ton (2023) Exterior Paint (2023) Updated Kitchen with wood cabinetry and stainless steel appliances (2023) Hurricane Impact Windows have a Lifetime Warranty Water Heater is Under Warranty Located in the highly sought-after Spanish Acres community, you'll enjoy the best of Dunedin living with convenient access to Downtown Dunedin, Honeymoon Island, the Pinellas Trail, waterfront parks, shopping, dining, breweries, marinas, golf courses, and some of Florida's most beautiful Gulf beaches. Whether you're searching for a forever family home, a multi-generational property, or an investment opportunity with built-in income potential and room for future growth, this exceptional property delivers a rare combination of location, flexibility, and value. Homes with this much space, versatility, and future potential rarely become available in Spanish Pines. Schedule your private showing today and experience everything this remarkable property has to offer.

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

2,634

Sqft

0.26 ac

Lot size

2

Garage

1976

Year built

Three Or More

Levels

$285

Per sqft

Pets allowed

Inside

FlooringCeramic Tile · Laminate
AppliancesBar Fridge · Cooktop · Dryer · Freezer · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesEast
ParkingDriveway · Garage Door Opener · Guest · Oversized
ExteriorGarden · Lighting · Private Entrance · Private Mailbox · Private Yard · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$6,487/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,029 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property tax — 2025 actual bill$541
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $75,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $75,000
Interest rate6.00%
Loan term

Estimated payment

$5,029/mo

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property taxes (actual bill)$541
Est. insurance$160

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.

List $750K
$322KedgeAI estimate $740,681 · range $335K$967K$1.0M

vs edgeAI estimate

+1.3%

$/sqft vs Dunedin actives

$285 vs $297

Days on market

63 vs 51 typical

Where $285/sqft sits among the 264 Dunedin actives

79
70 · this home
55
25
15
20
$143–227$227–311$311–395$395–479$479–563$563+

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

Map of 3146 CARLOS DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)30 min
Downtown Tampa34 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

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

MiddleDunedin Highland Middle School★★★★
ElementaryDunedin Elementary School★★★★
HighDunedin High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Dunedin market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$440K$410K

Dunedin median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

153 of 264

Dunedin actives have cut their price

Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 150% above the DUNEDIN 34698 median. See the full Dunedin market guide →

Paper trail

This home's history

May 22, 2026Listed at $750,000 · 63 days on market since
1976Built · SPANISH ACRES

Reality check

What actually sold near 3146 CARLOS DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3151 LAS OLAS DRIVESold · Aug ’25

$690,000

3151 LAS OLAS DRIVE · same community

4 bd · 3 ba · 2,830 sqft · $244/sqft · 3 DOM

2175 SANTA PAULA DRSold · Jul ’26

$687,000

2175 SANTA PAULA DR · same community

4 bd · 3 ba · 2,974 sqft · $231/sqft · 106 DOM

2182 SANTA PAULA DRIVESold · Oct ’25

$578,000

2182 SANTA PAULA DRIVE · same community

4 bd · 2 ba · 1,955 sqft · $296/sqft · 2 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3146 CARLOS DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3146 CARLOS DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

3146 CARLOS DRIVE FAQs

What would the monthly payment be for 3146 CARLOS DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,029/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 3146 CARLOS DRIVE?+

The most recent tax bill on record (2025) was $6,487. 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 3146 CARLOS DRIVE?+

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 $750,000, this home is listed about 88% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.

Which schools are assigned to 3146 CARLOS DRIVE?+

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.

Listing courtesy of FLORIDA LUXURY REALTY INC · Stephanie Goode. MLS #TB8509592.

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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