
12650 SE 98TH LANE, DUNNELLON, FL, 34431
Active129 days on marketListed Mar 18, 2026MLS #OM720989
About this home
12650 SE 98TH LANE
Set on a well-equipped mini farm, this property offers a rare combination of comfortable living, usable acreage, and thoughtfully designed outbuildings. The main home offers exceptional flexibility, with two spacious primary suites ideal for multi-generational living or hosting guests. One of the primary suites is complemented by its own private living room, offering an ideal setup for extended family or a private in-law suite. The main living room is anchored by a striking stone wood-burning fireplace, creating a warm and inviting focal point. Throughout the home, new luxury vinyl plank flooring and updated kitchen appliances add a fresh, modern touch. The saltwater pool overlooks peaceful pasture views and stunning sunset skies, all enjoyed from a beautifully resurfaced deck with a new electric heater—perfect for relaxing or entertaining year-round. The property is fully fenced with a brand-new perimeter fence and includes two gated entrances, offering both security and ease of access. Equestrian and hobby enthusiasts will appreciate the impressive outbuildings, including a massive 50x40 workshop with two bay doors, office space, and a bathroom, offering endless possibilities for projects, storage, or business use. The newly built horse barn features six stalls with turnout, along with a separate stallion pen equipped with water lines, making this property well-suited for a variety of equestrian needs. A separate multi-generational building with a full bathroom and laundry provides additional space for extended family, guests, or potential rental use. Additional features include a whole-house Generac gas generator, offering peace of mind, along with key updates: septic pumped in 2026, water heater replaced in 2021, HVAC replaced in 2021, and roof replaced in 2017. This is a rare opportunity to own a well-equipped mini farm designed for both comfortable living and practical use, all in a peaceful country setting.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,299
Sqft
4.4 ac
Lot size
1986
Year built
One
Levels
$363
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.
$5,560 /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
$5,560/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
$363 vs $186
Days on market
129 vs 43 typical
Where $363/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 34431 — neighborhood snapshot
Population
8,663
Median age
55.4
Median income
$51,542
Median home value
$185,200
Avg household
2.2
Households w/ children
570
The numbers that matter
The Dunnellon market
$265K → $270K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
183 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 2060% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 12650 SE 98TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$382,000
9950 SE 136TH TERRACE
3 bd · 2 ba · 1,620 sqft · $236/sqft · 7 DOM
Sold · Feb ’26$400,000
12150 SE 97 PLACE
3 bd · 2 ba · 1,486 sqft · $269/sqft · 34 DOM
Sold · Dec ’25$230,000
10710 SE 134TH TERRACE
3 bd · 2 ba · 1,394 sqft · $165/sqft · 253 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 12650 SE 98TH LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12650 SE 98TH LANE — 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
12650 SE 98TH LANE FAQs
What would the monthly payment be for 12650 SE 98TH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,560/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 12650 SE 98TH LANE?+
The most recent tax bill on record (2025) was $6,975. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Dunnellon?+
At $835,000, this home is listed about 178% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$835,000 runs 2060% above the DUNNELLON 34431 median — but at 2,299 sqft it's also 38% 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
129 days on market against a Dunnellon median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $949,000, now $835,000 — a $114K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLSTARS REALTY · Marcia Kasper. MLS #OM720989.
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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