12524 SW 109TH PLACE, DUNNELLON, FL, 34432
Active149 days on marketListed Mar 10, 2026MLS #O6388172
About this home
12524 SW 109TH PLACE
Luxury Farm Living with Modern Upgrades – No HOA! Welcome to this beautifully upgraded private farm retreat tucked away at the end of a cul-de-sac in Dunnellon. Designed for both comfort and functionality, this property offers the perfect blend of modern technology, energy efficiency, and equestrian amenities on fully fenced acreage with open pastures and majestic shade oaks. The home features cathedral ceilings, new windows throughout (2018), updated A/C (2021), and a new roof (2021) for peace of mind. Stay connected with Spectrum fiber optic internet, Spectrum TV service, Starlink installation, and a cell phone/WiFi booster. Additional upgrades include solar panels (2025), wired generator plug-in, ADT security system, fire and smoke detectors, and a Whirlpool water softener system (2018). Enjoy year-round Florida living in the huge Florida Room with mini-split (2024) overlooking the stunning heated saltwater pool and spa with waterfall and screened enclosure installed in 2023—perfect for entertaining or relaxing in privacy. Equestrian enthusiasts will love the concrete block stucco 3-stall barn with room for additional stalls, wash/grooming rack, and office or tack room. The property is completely fenced with 10 paddocks, open pastures, and large shade oaks, creating an ideal setup for horses or livestock. Additional features include two storage sheds, several awnings, remote gate entry system, and ample space for equipment. With ceiling fans, light fixtures, and window blinds all conveying, this property is move-in ready and thoughtfully designed for country living with modern convenience. No HOA — bring your horses, toys, and enjoy the freedom of farm life just minutes from medical, shopping, dining, The World Equestrian Center and the beautiful Rainbow Springs State Park! Schedule your showing today! Buyer and buyer's agent to verify all information.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,188
Sqft
14.91 ac
Lot size
2
Garage
1999
Year built
One
Levels
$411
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 — not generic estimates.
$5,696 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,696/mo
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.
$/sqft vs Dunnellon actives
$411 vs $185
Days on market
149 vs 39 typical
Where $411/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 → $280K
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 309% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 12524 SW 109TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$240,000
13460 SW 111TH LANE
4 bd · 2 ba · 2,334 sqft · $103/sqft · 43 DOM
Sold · Apr ’26$375,000
11595 SW 134 COURT
3 bd · 2.5 ba · 1,981 sqft · $189/sqft · 71 DOM
Sold · Oct ’25$745,000
13393 SW 484 HIGHWAY
3 bd · 2 ba · 1,834 sqft · $406/sqft · 150 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 12524 SW 109TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12524 SW 109TH PLACE — 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
12524 SW 109TH PLACE FAQs
What would the monthly payment be for 12524 SW 109TH PLACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,696/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 12524 SW 109TH PLACE?+
The most recent tax bill on record (2025) was $4,176. 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 12524 SW 109TH PLACE?+
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 $899,000, this home is listed about 200% above the Dunnellon median of $299,995. The market section on this page shows how the area is trending.
Which schools are assigned to 12524 SW 109TH PLACE?+
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
Four things that matter here
01Positioned at the premium end
$899,000 runs 309% above the DUNNELLON 34432 median — but at 2,188 sqft it's also 28% larger than the typical Dunnellon listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
149 days on market against a Dunnellon median of 39 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $925,000, now $899,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BRIJE REAL ESTATE LLC · Jennifer Mirabile. MLS #O6388172.
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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