David Ramirez
$499,9994 bd3 ba2,011 sqft$249 /sqft$3,355 /mo all-in ↓

12669 SW 81ST STREET, DUNNELLON, FL, 34432

Active29 days on marketListed Jul 7, 2026MLS #OM728019

New constructionSingle Family ResidenceROLLING HILLS 01

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

FlooringLuxury Vinyl
AppliancesConvection Oven · Dishwasher · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Coffered Ceiling(s) · High Ceilings
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesSouth
ExteriorLighting

Community & fees

Taxes (2025)$366/yr

Utilities & systems

UtilitiesElectricity 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.

$3,355 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,943
FHA mortgage insurance (est.)$221
Property tax — 2025 actual bill$30
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,500Loan30-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% · $17,500
Interest rate6.00%
Loan term

Estimated payment

$3,355/mo

Principal & interest$2,943
FHA mortgage insurance (est.)$221
Property taxes (actual bill)$30
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 $500K
$386KedgeAI estimate $473,845 · range $402K$511K$531K

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

174
136
36 · this home
23
7
24
$137–178$178–218$218–258$258–299$299–339$339+

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 12669 SW 81ST STREET

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 seller3.7 months of inventoryBuyer’s 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

Jul 7, 2026Listed at $499,999 · 29 days on market since
2026Built · ROLLING HILLS 01

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.

12296 SW 99TH LANESold · Jun ’26

$485,000

12296 SW 99TH LANE · same community

4 bd · 2 ba · 2,073 sqft · $234/sqft · 11 DOM

12369 SW 81ST STREETSold · Feb ’26

$374,000

12369 SW 81ST STREET · same community

3 bd · 2 ba · 1,927 sqft · $194/sqft · 21 DOM

12728 SW 80TH STREETSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 12669 SW 81ST STREET — start here.

Andrew Acosta

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.

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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.

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.

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