David Ramirez
$1,750,0003 bd2.5 ba2,046 sqft$855 /sqft$11,149 /mo all-in ↓

11144 SW 190TH AVENUE, DUNNELLON, FL, 34432

Active115 days on marketListed Apr 14, 2026MLS #OM722718

WaterfrontSingle Family ResidenceAKINS

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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

WaterfrontWater viewNegotiable

Inside

FlooringTile
AppliancesDryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Vaulted Ceiling(s)
LaundryCorridor Access · Laundry Closet · Outside
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionCedar
FoundationSlab
ViewWater
FacesSoutheast
ExteriorFire Pit · Lighting · Other · Outdoor Shower · Storage

Community & fees

Taxes (2025)$10,675/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected
WaterWell

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%

Principal & interest$9,443
PMI (est., until 20% equity)$656
Property tax — 2025 actual bill$890
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $175,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $175,000
Interest rate6.00%
Loan term

Estimated payment

$11,149/mo

Principal & interest$9,443
PMI (est., until 20% equity)$656
Property taxes (actual bill)$890
Est. insurance$160

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.

List $1.8M
$1.1MedgeAI estimate $1,330,244 · range $1.1M$1.8M$1.8M

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

345
35
11
4
1
4 · this home
$137–257$257–377$377–496$496–616$616–736$736+

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

Map of 11144 SW 190TH AVENUE

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

ElementaryDunnellon Elementary School★★★★★
HighDunnellon High School★★★★★
MiddleDunnellon Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Dunnellon market

Seller’s marketLeans seller3.6 months of inventoryBuyer’s 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

Apr 14, 2026Listed at $1,750,000 · 115 days on market since
1953Built · AKINS

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.

10090 SW 192ND CIRCLESold · Apr ’26

$419,900

10090 SW 192ND CIRCLE

3 bd · 2 ba · 2,047 sqft · $205/sqft · 10 DOM

10661 SW 188 AVENUESold · Oct ’25

$825,000

10661 SW 188 AVENUE

3 bd · 2.5 ba · 2,011 sqft · $410/sqft · 2 DOM

10257 SW 193RD CTSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 11144 SW 190TH AVENUE — start here.

Andrew Acosta

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

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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.

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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