Cedar Creek in Dunedin

Cedar Creek Homes for Sale in Dunedin, FL

55-plus manufactured-home community · Dunedin · ZIP 34698

A 55-plus deed-restricted manufactured-home community in Dunedin with a boat ramp and water access.

55-plus deed-restrictedBoat ramp & water accessWalk to the Pinellas Trail
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
This is a 55-plus deed-restricted manufactured-home community; the ownership structure, the monthly fee and what it covers, the age and condition of the home, and the coastal flood picture decide value, so confirm those for a specific home before you offer.
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Unlock Off-Market Cedar Creek

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseStellar MLS
n/a
Median Price
0mo
Supply
n/a
Avg DOM
Soft
Seller Leverage
n/a
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Cedar Creek is a 55-plus active-adult manufactured-home community in Dunedin, in the 34698 ZIP, so the read is a 55-plus manufactured-home read: public sources describe a deed-restricted community of 114 lots with a recreation building and water access, centrally located between Honeymoon Island and downtown Dunedin with the Pinellas Trail about a two-minute walk away. The amenities are a draw, with a boat ramp and dock, a clubhouse, a recreation area, and a shuffleboard court. The homes here vary in age and condition, so the finishes matter less than the structure: confirm whether ownership is resident-owned or co-op or land-lease, the monthly fee and what it covers, the roof and tie-downs and systems on a specific home, and the coastal Dunedin flood zone. These purchases are often cash, so confirm financing. Your leverage is reading the ownership structure, the fee, the home condition, and the flood picture before you buy."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Cedar Creek is a 55-plus deed-restricted manufactured-home community in Dunedin, in the 34698 ZIP, known as Cedar Creek (Cedar Creek Residents Inc). Public sources describe 114 lots, centrally located between Honeymoon Island and downtown Dunedin, with the Pinellas Trail about a two-minute walk away.

The amenity package is a draw: public sources describe a recreation building with two offices, a meeting and assembly room, a kitchen, a game room, an activity room, a card room, a library, and restrooms, plus boat facilities with a boat ramp and dock, a clubhouse, golf carts, a recreation area, a shuffleboard court, storage, street lights, and water access. The water access and boating are a real draw here.

The defining read is the ownership structure and the home. Confirm whether ownership is resident-owned or co-op or land-lease and the monthly fee and what it covers, then read the roof, tie-downs, and systems on a specific home, since manufactured homes here vary in age and condition. The coastal Dunedin setting carries flood exposure, so confirm the flood zone for a specific home.

For buyers who want 55-plus manufactured-home living with water access minutes from Honeymoon Island and downtown Dunedin, Cedar Creek is a distinctive option. The work is confirming the ownership structure, the fee, the home condition, and the flood picture honestly before you buy, and because these purchases are often cash, confirm financing.

Best for

  • 55-plus buyers who want manufactured-home living with water access
  • Anyone drawn to a boat ramp and dock and a recreation building
  • Buyers who want a short walk to the Pinellas Trail and downtown Dunedin
  • Buyers who will confirm the ownership structure, the fee, and home condition

Probably not for

  • Buyers who do not meet the 55-plus age restriction
  • Anyone seeking a single-family home or site-built construction
  • Buyers who will not read the roof, tie-downs, systems, and flood zone
  • Anyone needing financing without confirming a cash or lender path

How Cedar Creek is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
72Median days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 24, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Cedar Creek listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Cedar Creek buys, holds, and resells. See the five factors.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

Cedar Creek sits in Dunedin, with everyday shopping, major roads, and the wider Tampa Bay area within a reasonable drive.

Pinellas Trail~1-3 min (walk) · trail access on foot
Downtown Dunedin~5-10 min · shops and dining
Honeymoon Island State Park~10-15 min · Gulf beach and trails
Clearwater~10-15 min · neighboring city
Gulf beaches~10-20 min · Gulf-side beaches
Tampa International Airport (TPA)~30-40 min · regional airport

Distances and times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Cedar Creek with Momentum Realty’s local guides.

POPatrician OaksDunedin, FL · adjacentRMRavenwood ManorDunedin, FL · adjacentSFSherwood ForestDunedin, FL · 0.1 miPHPinehurst HighlandsDunedin, FL · 0.2 miASAqua SolisDunedin, FL · 0.3 miFEFairway Estates (4th Addition)Dunedin, FL · 0.3 miDIDunedin IslesEstatesDunedin, FL · 0.3 miSLScots LandingDunedin, FL · 0.4 miLPLofty PineEstatesDunedin, FL · 0.4 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Cedar Creek (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Pinellas County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Cedar Creek is served by Pinellas County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Pinellas County Public Schools (verify by address)

Verifyrating
By address

Confirm zoned elementary, middle, and high

Verifyrating
Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Cedar Creek address.

The takeaway

What is actually shaping value at Cedar Creek: the 55-plus water access and boating, the age and condition of the manufactured homes, the ownership structure and fee, and the coastal Dunedin flood picture. The sourced item is linked.

Recent Developments in Cedar Creek

Our read on what is being built around Cedar Creek, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe 55-plus water access and boating support demand, while the defining watch items are the ownership structure and fee, the age and condition of the home, and the coastal Dunedin flood picture.

55-plus with boat ramp and water access anchors demand

Ongoing
BullishMajor impact
SignificanceRadius: Community

A 55-plus community with a boat ramp and water access near Honeymoon Island and the Pinellas Trail is a distinctive draw.

Manufactured-home age and condition varies

Ongoing
NeutralMajor impact
SignificanceRadius: Community

Homes here vary in age and condition; read the roof, tie-downs, and systems on a specific home before you offer.

Ownership structure and fee shape the deal

Ongoing
NeutralMajor impact
SignificanceRadius: Community

Confirm whether ownership is resident-owned or co-op or land-lease and the monthly fee and what it covers before you offer.

Coastal Dunedin flood exposure is the watch item

Ongoing
BearishMajor impact
SignificanceRadius: Community

Coastal Dunedin carries flood exposure; confirm the flood zone for a specific home before you offer.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Cedar Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. January 2024
    Community

    Cedar Creek, a 55-plus manufactured-home community in Dunedin

    Cedar Creek is a 55-plus deed-restricted manufactured-home community in Dunedin with 114 lots, a recreation building, a boat ramp and water access, between Honeymoon Island and downtown Dunedin. Why it matters: Confirm whether ownership is resident-owned or land-lease and the monthly fee before you offer. Source

Development alerts for Cedar CreekGet a short monthly email when something new is approved, funded, or opens near Cedar Creek.

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Cedar Creek, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the ownership structure first. Ask whether ownership is resident-owned or co-op or land-lease before you judge any home.

2

Confirm the monthly fee and what it covers. Get the current fee and the included services and amenities in writing.

3

Read the home condition. Inspect the roof, tie-downs, and systems, since manufactured homes here vary in age and condition.

4

Confirm the flood zone. Pull the flood zone for the specific home, since coastal Dunedin carries flood exposure.

5

Confirm financing. These purchases are often cash, so confirm a cash or lender path before you offer.

Best Buy
A well-kept, updated home in a sound community with a clear ownership structure
Biggest Risk
An older home with deferred roof, tie-downs, or systems, or an unconfirmed fee
Best Lot
A home with water access or a position near the boat ramp and recreation building
Smart Timing
Confirm the ownership structure, the fee, the home condition, the flood zone, and financing
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Cedar Creek is a 55-plus deed-restricted manufactured-home community in Dunedin, in the 34698 ZIP, known as Cedar Creek (Cedar Creek Residents Inc). Public sources describe 114 lots and a recreation building with two offices, a meeting and assembly room, a kitchen, a game room, an activity room, a card room, a library, and restrooms, plus boat facilities with a boat ramp and dock, a clubhouse, golf carts, a recreation area, a shuffleboard court, storage, street lights, and water access. It is centrally located between Honeymoon Island and downtown Dunedin, with the Pinellas Trail about a two-minute walk away. One owner must be 55 or older, and some properties allow an additional occupant as young as 45. The defining factors in value are the ownership structure and the home: confirm whether ownership is resident-owned or co-op or land-lease, the monthly fee and what it covers, the roof and tie-downs and systems on a specific home, and the coastal Dunedin flood zone, and because these purchases are often cash, confirm financing.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The Entry Home

Older manufactured homes in original condition, the entry into 55-plus Cedar Creek living, priced for updates; read the roof, tie-downs, and systems.

Lowest entry
The Updated Home

Updated manufactured homes in better condition, the heart of the resale market here, with the rec building and amenities included.

Most inventory
The Premium Water-Access Home

The best-kept homes positioned to take advantage of the water access and boat ramp, the homes that hold value best.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

The Entry Home
Older manufactured homes in original condition, the entry into 55-plus Cedar Creek living, priced for updates; read the roof, tie-downs, and systems.
The Updated Home
Updated manufactured homes in better condition, the heart of the resale market here, with the rec building and amenities included.
The Premium Water-Access Home
The best-kept homes positioned to take advantage of the water access and boat ramp, the homes that hold value best.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Location within DunedinStrong
Established communityPositive
HOA and CDD postureConfirm per parcel
Home condition and systemsVerify per home
Flood read per lotVerify per address

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Cedar Creek

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

The water access and the trail sell the home. The deal is won or lost on the ownership structure, the fee, the home condition, and the flood read.

Jon Brooks · Founder, Momentum Realty
7.2B · Buy Score
Resale Strength7.0/10
Renovation Risk6.2/10
Location Efficiency8.2/10
Long-Term Defensibility6.8/10
Carrying Cost Advantage6.6/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Cedar Creek is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take
  • The lot and the homesite are the scarce, durable asset here
  • A better-positioned lot holds value at resale
  • The homesite cannot be changed, the house can
  • Read the lot and the flood zone before the finishes
  • Condition and renovation level drive the number

In Cedar Creek, the part of your money the market protects is the lot, the position, and the condition of the home. Read the lot, the homesite, and the flood zone first, then price the condition and the renovation level against it.

Cedar Creek in 15 seconds.

Best for55-plus buyers who want manufactured-home living with water access minutes from Honeymoon Island and downtown Dunedin.
Biggest advantageA 55-plus community with a boat ramp and water access a short walk from the Pinellas Trail.
Biggest riskThe home age and condition, the ownership structure, and the coastal flood picture on a manufactured home.
Sweet spotA well-kept, updated home with a clear ownership structure in a sound community.
Avoid ifYou do not meet the 55-plus age restriction or will not do the home and flood homework.

HOA, CDD & Fees

15-Second Take
  • 55-plus deed-restricted community
  • 114 lots
  • Boat ramp and water access
  • Walk to the Pinellas Trail
  • Confirm the ownership structure and fee

Confirm whether ownership is resident-owned or co-op or land-lease and the monthly fee and what it covers; there is no CDD. Get the current fee and the included services in writing before you offer.

Public sources describe a recreation building and amenities; confirm exactly what the monthly fee includes, including any services, and review what is covered.

Public sources describe a clubhouse, a recreation building, a shuffleboard court, and a boat ramp and dock with water access.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Cedar Creek, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Dunedin 55+, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Cedar Creek home worth?

Get a no-obligation home value based on real comparable sales in Cedar Creek matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

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Real comps, not a Zestimate.

Cedar Creek Market Scorecard

Strong seller's market

Cedar Creek is currently a strong seller's market. About 1.8 months of supply, a median asking price of $1,019,500, and homes go under contract in about 79 days.

1.8
Months supply
$1,019,500
Median list
$847,500
Median sold
$313
Per sqft
79
Days on mkt
6/8/41
Active/Pend/Sold

Typical home value in the 32224 ZIP is $456,759, about 13.7% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Cedar Creek?
It is a 55-plus deed-restricted manufactured-home community in Dunedin, in the 34698 ZIP, centrally located between Honeymoon Island and downtown Dunedin, with the Pinellas Trail about a two-minute walk away.
Is Cedar Creek a 55-plus community?
Yes. It is a 55-plus deed-restricted community; one owner must be 55 or older, and some properties allow an additional occupant as young as 45.
Is Cedar Creek resident-owned or land-lease?
Confirm this. Public sources do not settle whether ownership is resident-owned or co-op or land-lease, so confirm the ownership structure before you offer.
What is the monthly fee and what does it cover?
Confirm this. Get the current monthly fee and exactly what it covers, including any services, in writing before you offer.
What amenities are available?
Public sources describe a recreation building with a meeting and assembly room, a kitchen, a game room, an activity room, a card room, a library, and restrooms, plus a boat ramp and dock, a clubhouse, a recreation area, and a shuffleboard court.
Can I keep a boat here?
Public sources describe boat facilities with a boat ramp and dock and water access. Confirm the current boat and dock rules and any fees for a specific home.
Is there a CDD at Cedar Creek?
No. There is no CDD. Confirm the monthly fee and the ownership structure for the community.
Can I finance a home here?
These purchases are often cash. Confirm a cash or lender path before you make an offer, since financing on manufactured homes can be limited.
Is Cedar Creek in a flood zone?
As coastal Dunedin, it carries flood exposure that varies by location. Confirm the flood zone for the specific home before you offer.
What kind of homes are here?
Public sources describe manufactured homes that vary in age and condition. Read the roof, tie-downs, and systems on a specific home.
What should I check before buying here?
Confirm whether ownership is resident-owned or co-op or land-lease, confirm the monthly fee and what it covers, read the roof, tie-downs, and systems, confirm the flood zone, and confirm financing.
Why is the location a draw?
It is centrally located between Honeymoon Island and downtown Dunedin, with the Pinellas Trail about a two-minute walk away, and water access and boating from the community.
Should I use the listing agent to buy here?
No. The listing agent works for the seller. In a 55-plus manufactured-home community where the ownership structure, the fee, the home condition, and the flood picture swing value, having your own representation is the highest-leverage decision you make.
55-plus buyers who want manufactured-home living with water accessExcellent fit
Anyone drawn to a boat ramp and dock and a recreation buildingExcellent fit
Buyers who want a short walk to the Pinellas Trail and downtown DunedinExcellent fit
Buyers who will confirm the ownership structure, the fee, and home conditionExcellent fit
Buyers who will confirm the coastal flood zone for a specific homeExcellent fit
Buyers who do not meet the 55-plus age restrictionProbably not
Anyone seeking a single-family home or site-built constructionProbably not
Buyers who will not read the roof, tie-downs, systems, and flood zoneProbably not
Anyone needing financing without confirming a cash or lender pathProbably not
Buyers who will not confirm the ownership structure and the monthly feeProbably not

Get the inside read on Cedar Creek

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Cedar Creek home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Cedar Creek specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Cedar Creek — what to look for, questions to ask, and your local expert.
Stellar MLS logoMLS GRID logo
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. 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; deemed reliable but not guaranteed by MLS GRID.

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