
11144 SW 190TH AVENUE, DUNNELLON, FL, 34432
Active115 days on marketListed Apr 14, 2026MLS #OM722718
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About this home
11144 SW 190TH AVENUE
Experience classic Florida magic tucked along the legendary Rainbow River — and yes, you just might want to stay forever. Built in 1953, this warm and soulful riverfront home offers 2 bedrooms and 1.5 bathrooms in the main house, plus an additional bedroom and bathroom in the detached guesthouse. Cedar walls throughout give the home its signature cabin-cool, river-relaxed character — the kind of place that slows your heartbeat the moment you walk in. Tile floors keep things easy and comfortable, while the cozy kitchen features granite countertops and recently updated appliances. Each bedroom tells its own story: one looks out over the garden, the other opens to the river. Wake up to morning fog rolling softly over the water, herons gliding through the mist, and turtles perching on sun-warmed driftwood as the day gently stirs to life. The massive waterfront deck is just steps from your bedroom door — grab a book, a journal, or a cup of coffee and settle into one of the Adirondack chairs. Breakfast tastes better here. Rainy Summer Day, no worries, the enclosed oversized lanai overlooks the river - curl up, chill out, and just take in the scenery. Rain or shine, time moves more slowly here. That's the point. But we are in Florida, where endless summer days warm up, and the real fun begins. A waterfront slide, rafting, boating, kayaking, and the pure wonder of the Rainbow River await. After a full day of adventure, rinse off at the outdoor shower or use the convenient exterior entrance directly to the bathroom and bedrooms. This home is also actively generating rental income and is available turn-key — details provided upon request. The detached guesthouse is a wonderful bonus, offering a comfortable living space with a Murphy bed, a private bedroom, a recently remodeled bathroom, and a lovely lanai overlooking the fire pit — perfect for family, guests, or additional income potential. Round it all out with an oversized 2-car detached garage for all the gear, toys, and storage you need. Peace of mind comes included: roof replaced in 2020, HVAC and hot water heater both new in 2025, and a soft water system already in place. This home has been loved by every generation that has called it their own, and that sense of warmth and care is felt in every corner. Perfectly situated just minutes from Downtown Dunnellon, Blue Run Park, and Rainbow Springs State Park, with easy access to Crystal River, Inverness, Hernando, and Ocala for those days when you're ready for a change of scenery — though once you're here, that urge may be hard to find. This is a rare opportunity to own a place where the river lifestyle is the amenity, and where leaving is the hardest part.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,046
Sqft
0.58 ac
Lot size
2
Garage
1953
Year built
One
Levels
$855
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.
$11,149 /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
$11,149/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.
vs edgeAI estimate
+31.6%
$/sqft vs Dunnellon actives
$855 vs $185
Days on market
115 vs 39 typical
Where $855/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)
175 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 706% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 11144 SW 190TH AVENUE
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$419,900
10090 SW 192ND CIRCLE
3 bd · 2 ba · 2,047 sqft · $205/sqft · 10 DOM
Sold · Oct ’25$825,000
10661 SW 188 AVENUE
3 bd · 2.5 ba · 2,011 sqft · $410/sqft · 2 DOM
Sold · Feb ’26$410,000
10257 SW 193RD CT
3 bd · 2 ba · 2,100 sqft · $195/sqft · 12 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 11144 SW 190TH AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11144 SW 190TH AVENUE — 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
11144 SW 190TH AVENUE FAQs
What would the monthly payment be for 11144 SW 190TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,149/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 11144 SW 190TH AVENUE?+
The most recent tax bill on record (2025) was $10,675. 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 $1,750,000, this home is listed about 483% above the Dunnellon median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 11144 SW 190TH AVENUE?+
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
01Positioned at the premium end
$1,750,000 runs 706% above the DUNNELLON 34432 median — but at 2,046 sqft it's also 18% larger than the typical Dunnellon listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
115 days on market against a Dunnellon median of 39 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Julie Beck. MLS #OM722718.
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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