8859 SW 196TH AVENUE ROAD, DUNNELLON, FL, 34432
Active92 days on marketListed May 8, 2026MLS #OM724317
About this home
8859 SW 196TH AVENUE ROAD
Set within the highly sought-after Rainbow Springs community in Dunnellon, this beautifully maintained 3 bedroom, 2 bathroom home offers 2,027 Sq.Ft. of living space with a spacious open floor plan, split bedroom layout for added privacy, and inside laundry for everyday convenience. A 2 car garage adds extra storage and functionality. Inside the home, you will find vaulted ceilings, a large living room area, and an additional room at the back offering flexible space for an additional living area, playroom, office, or more. The kitchen features granite countertops and an eat in kitchen area, making it functional for everyday living and entertaining. The large primary suite includes a walk in closet and ensuite bathroom complete with a tile walk in shower and soaking tub. The split floor plan offers spacious guest bedrooms, with one featuring a large walk in closet that is currently being used as an office. The guest bedrooms are conveniently located near the guest bathroom for easy access. Enjoy peaceful Florida living from the screened porch, the perfect spot to relax and take in the quiet surroundings. Positioned on a desirable homesite, the property backs up to a 3.7 acre wooded green space owned by the HOA, offering exceptional privacy with no rear neighbors and a serene natural backdrop. Just minutes away, Rainbow Springs River Access Park offers convenient entry to one of Florida’s most beautiful crystal-clear springs. Rainbow Springs HOA is only $246 per year and delivers an impressive list of amenities including private access to the Rainbow River, clubhouse, community pool, tennis courts, pickleball, billiards room, fitness center, on site restaurant, and more. Ideally located, this community offers a quiet nature filled lifestyle while still being just minutes from shopping, dining, medical services, and schools. Major updates provide peace of mind with a New Roof (2020), New Carpet (2026), New Dishwasher (2026), New Toilets (2026) and New HVAC system (2014), offering added confidence for years to come. If you’re looking for a beautiful home in a quiet, highly desirable neighborhood, this one checks all the boxes, call today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,027
Sqft
0.27 ac
Lot size
2
Garage
1999
Year built
One
Levels
$162
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.
$2,468 /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
$2,468/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
+6.1%
$/sqft vs Dunnellon actives
$162 vs $184
Days on market
92 vs 39 typical
Where $162/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)
165 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 49% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 8859 SW 196TH AVENUE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$380,000
19686 SW 88TH LOOP · same community
3 bd · 2 ba · 2,190 sqft · $174/sqft · 14 DOM
Sold · Feb ’26$365,000
8869 SW 194TH COURT · same community
3 bd · 2 ba · 2,856 sqft · $128/sqft · 304 DOM
Sold · Dec ’25$420,000
15200 SW 109 Avenue, Miami FL 33157 · same community
3 bd · 2 ba · 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 8859 SW 196TH AVENUE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8859 SW 196TH AVENUE ROAD — 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
8859 SW 196TH AVENUE ROAD FAQs
What would the monthly payment be for 8859 SW 196TH AVENUE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,468/mo — principal and interest, the actual property-tax bill, the $21/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 8859 SW 196TH AVENUE ROAD?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8859 SW 196TH AVENUE ROAD?+
The most recent tax bill on record (2025) was $2,545. 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 8859 SW 196TH AVENUE ROAD?+
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 $327,900, this home is listed about 9% above the Dunnellon median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8859 SW 196TH AVENUE ROAD?+
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
$327,900 runs 49% above the DUNNELLON 34432 median — but at 2,027 sqft it's also 16% larger than the typical Dunnellon listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
92 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 $330,000, now $327,900 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Chad MacBlain. MLS #OM724317.
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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