David Ramirez
$220,000$225,0002 bd2 ba1,432 sqft$154 /sqft$2,097 /mo all-in ↓

14748 SW 112TH CIRCLE, DUNNELLON, FL, 34432

Active42 days on marketListed Jun 12, 2026MLS #OM726254

Priced 4% below the DUNNELLON 34432 medianReduced $5KSingle Family ResidenceSPRUCE CRK PRESERVE 03

About this home

14748 SW 112TH CIRCLE

Experience the perfect blend of comfort, privacy, and active adult living in this well maintained 2 bedroom, 2 bath home offering 1,432 Sq.Ft. of living space, a spacious 2 car garage, and no rear neighbors, all nestled within the highly sought after gated 55+ golf community of Spruce Creek Preserve. As you step inside, you’re greeted by a bright and inviting living room featuring vaulted ceilings, tile flooring throughout the main living areas, and an abundance of natural light. The kitchen offers plenty of cabinet and counter space, a cozy eat in breakfast area, and an additional versatile room that could serve as a large pantry, home office, hobby room, or extra storage space. Large primary suite offers a walk in closet , while the ensuite bathroom offers a tiled walk in shower. On the opposite side of the home is the spacious guest bedroom and a full bath, providing privacy for family or visitors. Step into the spacious Florida room, complete with air conditioning, allowing you to enjoy the beautiful backyard views and local wildlife including deer, birds, and other native Florida species comfortably year round. Recent updates have already been completed, including a new roof in 2019 and HVAC system in 2022. As a resident of Spruce Creek Preserve, you’ll enjoy outstanding amenities including a heated pool and spa, tennis, pickleball, fitness center, bocce, shuffleboard, and so much more. The 18 hole golf course with restaurant and bar is just a golf cart ride away. Conveniently located near shopping, dining, hospitals, and easy access to I 75, this home has it all. Schedule your private showing today, before it’s too late!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,432

Sqft

0.23 ac

Lot size

2

Garage

1996

Year built

One

Levels

$154

Per sqft

55+ community

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionVinyl Siding · Wood Frame
FoundationSlab
FacesNorth
ExteriorPrivate Mailbox · Rain Gutters · Sliding Doors · Tennis Court(s)

Community & fees

HOA fee$194/mo
Taxes (2025)$4,203/yr
PetsCats OK, Dogs OK
CommunityClubhouse · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Pool · Restaurant · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

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.

$2,097 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,295
FHA mortgage insurance (est.)$97
Property tax — 2025 actual bill$350
HOA fee — from the listing$194
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $7,700Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $7,700
Interest rate6.00%
Loan term

Estimated payment

$2,097/mo

Principal & interest$1,295
FHA mortgage insurance (est.)$97
Property taxes (actual bill)$350
HOA / condo fee$194
Est. insurance$160

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.

List $220K
$198KedgeAI estimate $224,206 · range $206K$261K$271K

vs edgeAI estimate

−1.9%

$/sqft vs Dunnellon actives

$154 vs $185

Days on market

42 vs 43 typical

Where $154/sqft sits among the 400 Dunnellon actives

172 · this home
140
39
17
8
24
$133–178$178–223$223–269$269–314$314–359$359+

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 14748 SW 112TH CIRCLE

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 seller4.8 months of inventoryBuyer’s market

$265K$270K

Dunnellon median sold, yr/yr

98.1%

Sale-to-list ratio (12 mo)

191 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 4% below the DUNNELLON 34432 median. See the full Dunnellon market guide →

Paper trail

This home's history

CurrentPrice reduced to $220,000 $5K
Jun 12, 2026Listed at $225,000 · 42 days on market since
1996Built · SPRUCE CRK PRESERVE 03

Reality check

What actually sold near 14748 SW 112TH CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

14748 SW 112TH CIRCLESold · Jul ’25

$200,000

14748 SW 112TH CIRCLE · same community

2 bd · 2 ba · 1,432 sqft · $140/sqft · 55 DOM

13364 SW 111TH CIRCLESold · Dec ’25

$165,000

13364 SW 111TH CIRCLE · same community

2 bd · 2 ba · 1,382 sqft · $119/sqft · 53 DOM

13762 SW 112TH TERRACESold · Jun ’26

$238,000

13762 SW 112TH TERRACE · same community

2 bd · 2 ba · 1,685 sqft · $141/sqft · 24 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 14748 SW 112TH CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 14748 SW 112TH CIRCLE — 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.

Goes straight to David’s phone and CRM.

Straight answers

14748 SW 112TH CIRCLE FAQs

What would the monthly payment be for 14748 SW 112TH CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,097/mo — principal and interest, the actual property-tax bill, the $194/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 14748 SW 112TH CIRCLE?+

The association fee works out to $194 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 14748 SW 112TH CIRCLE?+

The most recent tax bill on record (2025) was $4,203. 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 14748 SW 112TH CIRCLE?+

The listing reports pets: Cats OK, Dogs OK. 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 $220,000, this home is listed about 27% below the Dunnellon median of $299,900. The market section on this page shows how the area is trending.

Which schools are assigned to 14748 SW 112TH CIRCLE?+

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.

Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Chad MacBlain. MLS #OM726254.

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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