13824 SW 114TH CIRCLE, DUNNELLON, FL, 34432
Pending161 days on marketListed Feb 21, 2026MLS #O6384529
About this home
13824 SW 114TH CIRCLE
Virtually Staged. Experience resort-style living at its finest in the highly desirable 55+ gated golf community of Spruce Creek Preserve. This beautifully maintained 3-bedroom, 2-bath home offers the perfect blend of comfort, elegance, and low-maintenance Florida living. Step inside to discover soaring ceilings, graceful arched doorways, and an inviting open layout that creates a bright, airy feel throughout. The well-appointed kitchen is the heart of the home, featuring abundant cabinetry, stainless steel appliances, and ample prep space—ideal for everyday living and entertaining alike. Sliding doors lead to a private screened patio, perfect for morning coffee or relaxing evenings. Beyond the home, enjoy an amenity-rich lifestyle with a 24/7 manned gate, heated and cooled resort-style pool, hot tub, pickleball and tennis courts, shuffleboard, corn hole, and a fully equipped fitness center. Stay active with water aerobics, yoga, and exercise classes, or connect with neighbors through billiards, cards, bingo, bunco, crafts, dances, and organized social and travel groups. Conveniently located just minutes from golf courses, grocery stores, medical facilities, restaurants, shopping, and banking, this home offers both peace of mind and unparalleled convenience. ??? Don’t miss your opportunity to embrace the vibrant lifestyle of Spruce Creek Preserve—schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,726
Sqft
0.21 ac
Lot size
1
Garage
1998
Year built
One
Levels
$113
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.
$1,748 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,748/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
−24.6%
$/sqft vs Dunnellon actives
$113 vs $187
Days on market
161 vs 43 typical
Where $113/sqft sits among the 400 Dunnellon 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 Dunnellon
Get to know Dunnellon. See the full Dunnellon guide →
DUNNELLON 34432 — neighborhood snapshot
Population
13,197
Median age
56
Median income
$47,711
Median home value
$223,900
Avg household
2.27
Households w/ children
858
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Dunnellon market
$265K → $270K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
174 of 400
Dunnellon actives have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% below the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 13824 SW 114TH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$247,000
11411 SW 138TH LANE · same community
3 bd · 2 ba · 1,974 sqft · $125/sqft · 117 DOM
Sold · Jun ’26$280,000
11411 SW 139TH PLACE
2 bd · 2 ba · 1,719 sqft · $163/sqft · 192 DOM
Sold · May ’26$270,000
14464 SW 112TH CIRCLE
3 bd · 2 ba · 1,708 sqft · $158/sqft · 44 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13824 SW 114TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13824 SW 114TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
13824 SW 114TH CIRCLE FAQs
What would the monthly payment be for 13824 SW 114TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,748/mo — principal and interest, the actual property-tax bill, the $194/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 13824 SW 114TH CIRCLE?+
The association fee works out to $194 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13824 SW 114TH CIRCLE?+
The most recent tax bill on record (2025) was $1,917. 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 13824 SW 114TH 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 Dunnellon?+
At $195,000, this home is listed about 35% below the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 13824 SW 114TH CIRCLE?+
Dunnellon Elementary School (elementary), Dunnellon High School (high), Dunnellon Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the DUNNELLON 34432 market on paper
$195,000 is 13% below the DUNNELLON 34432 median of $224,900, and at $113/sqft it sits under the Dunnellon average of $211.
02Time on market is leverage
161 days on market against a Dunnellon median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $233,000, now $195,000 — a $38K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Jeff Jones. MLS #O6384529.
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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