Owner Occupied MF, zoned Single Family

Hello,

Exploring the feasibility of getting an owner occupied, FHA financed triplex in Dunedin, FL. When I look the property up on the county website it is zoned single family.

It's an older home so I assume it has been divided and added to over the years, probably prior to rigorous permitting and zoning laws.

I would like to ensure that everything is legal prior to possessing the property, and imagine I would need it to be so to use the rental income towards the loan.

So I guess the questions are:

Is it silly to think this could be re-zoned?

Would it be opening a can of worms to talk to the city about the accessory dwellings on the property?

Thanks BP!