
12669 SW 81ST STREET, DUNNELLON, FL, 34432
Active29 days on marketListed Jul 7, 2026MLS #OM728019
About this home
12669 SW 81ST STREET
Welcome to this exceptional 4-bedroom, 3-bath custom home tucked away in a peaceful area of Dunnellon, offering over 2,700 total square feet, 2,011 living square feet, and situated on an impressive 1.12-acre lot. From the moment you arrive, this home makes a bold and memorable first impression with its crisp cream exterior, striking charcoal trim, and standout red front door that adds the perfect touch of character and curb appeal. The upgraded stamped and painted concrete driveway features finished borders and extends along the side of the home, providing additional parking space and everyday convenience. Inside, the attention to detail is immediately apparent. This thoughtfully designed split floor plan offers 4 spacious bedrooms, 3 full bathrooms, Luxury Vinyl flooring throughout, and elegant custom finishes that create a bright, modern, and high-end feel. The main living area is beautifully accented by cream and gold coffered ceilings, adding depth, sophistication, and architectural charm while perfectly complementing the home’s overall design. The kitchen is a true centerpiece, blending luxury, function, and timeless style. Designed to showcase the natural beauty of the granite countertops, the kitchen features hidden outlets that preserve the clean, uninterrupted look of the stone. Cream color cabinetry with gold hardware, a gold faucet, and a stainless steel farmhouse-style sink create a refined and cohesive aesthetic. The elegant gold-painted vent hood adds a stunning focal point, tying beautifully into the cream and gold ceiling details. A cream refrigerator, stainless steel appliances, modern light fixtures, and matching gold accents throughout the kitchen and dining areas complete the space with a polished designer feel. The thoughtful upgrades continue throughout the home. Each bathroom carries the same elegant aesthetic as the kitchen, featuring coordinated cabinetry, stylish finishes, and LED-lit mirrors that add both function and a modern touch. The laundry room is equally impressive, offering matching cabinetry, matching granite, and a sink that brings convenience and style together seamlessly. The primary suite offers comfort, privacy, and elevated design, featuring a spacious layout, an upgraded walk-in closet, and a spa-inspired bathroom with a beautiful double vanity and carefully selected finishes that continue the home’s cohesive style. Every detail has been chosen with intention, creating a home that feels custom, elegant, and truly move-in ready. Even the garage has been upgraded with epoxy-coated floors and a modern garage door featuring stacked windows along the right side, giving the space a clean, finished, and contemporary look. Beyond the home itself, the location offers the best of both worlds far enough away to feel peaceful and private, yet close enough to everyday conveniences. Located just a short drive from Rainbow Springs, the World Equestrian Center, grocery stores, shopping, dining, and more, this property offers privacy, style, space, and accessibility in one impressive package. This is more than just a home it is a true custom showpiece with bold curb appeal, elegant finishes, and thoughtful upgrades throughout. Schedule your private tour today.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,011
Sqft
1.12 ac
Lot size
2
Garage
2026
Year built
One
Levels
$249
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.
$3,355 /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
$3,355/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
+5.5%
$/sqft vs Dunnellon actives
$249 vs $185
Days on market
29 vs 39 typical
Where $249/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)
178 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 126% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 12669 SW 81ST STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$485,000
12296 SW 99TH LANE · same community
4 bd · 2 ba · 2,073 sqft · $234/sqft · 11 DOM
Sold · Feb ’26$374,000
12369 SW 81ST STREET · same community
3 bd · 2 ba · 1,927 sqft · $194/sqft · 21 DOM
Sold · Dec ’25$375,000
12728 SW 80TH STREET · same community
4 bd · 2 ba · 1,927 sqft · $195/sqft · 8 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 12669 SW 81ST STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12669 SW 81ST STREET — 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
12669 SW 81ST STREET FAQs
What would the monthly payment be for 12669 SW 81ST STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,355/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 12669 SW 81ST STREET?+
The most recent tax bill on record (2025) was $366. 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 $499,999, this home is listed about 67% above the Dunnellon median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12669 SW 81ST STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of GLOBALWIDE REALTY LLC · Miguel Rodriguez. MLS #OM728019.
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.
Never miss a listing
New Dunnellon homes, in your inbox
Like 12669 SW 81ST STREET but not quite? A daily digest of every new listing in Dunnellon — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →


