David Ramirez
$1,595,0002 bd2.5 ba1,810 sqft$881 /sqft$9,933 /mo all-in ↓

9275 SW 186TH TERRACE, DUNNELLON, FL, 34432

Active24 days on marketListed Jul 10, 2026MLS #OM728150

WaterfrontSingle Family ResidenceK P

About this home

9275 SW 186TH TERRACE

Welcome to one of the Rainbow River’s most desired locations, just north of KP Hole Park, where the water settles into that unmistakable turquoise the river was named for. Across the bank, preserved in perpetuity, protected state park land rises in a skyline of cypress, mirrored on the water’s surface — a view of beauty you’ll never tire of looking at. Full of love and appreciation for its beauty, this 2/2.5/2 gated riverfront home has been thoughtfully updated, adding a rare touch of luxury and ease to life along the Rainbow River. Move-in ready and gorgeously renovated, this is the kind of place where you truly don’t have to lift a finger — settle in. Inside, the kitchen has granite countertops and upgraded appliances, opening to a bar view overlooking a beautiful view of the Rainbow River. Two spacious bedrooms, with a gorgeous recently remodeled primary bathroom, and a sleeping loft — with its own river view — bring an unexpected romantic twist, begging to become someone’s favorite reading nook or private hideaway. The fireplace adds that extra layer of warmth, drawing you closer as you unwind after a day of playing on the river. But the back porch may be where you end up living most of the year. And in all reality, coffee just tastes different here — sip slowly and watch the morning mist rise off the water as the river drifts by in its own unhurried time. With a new roof in 2024 and new HVAC arriving in the coming weeks, the big-ticket items are already taken care of — so all that’s left to do is relax and enjoy life. Best of all, step outside to your dock and quietly slip into your private swimming area - 72-degree spring water, cool and clear even on the warmest Florida afternoon. Watch Great Blue Herons stand motionless in hunting position along the shoreline, Ospreys wheeling overhead before folding into a dive, and turtles working their funny, almost yoga-like contortions as they perch on nearby logs. If you’re lucky, a few otters might slip past, playing in the shallows. Some homes give you a view. This one gives you a relationship — with the water, with the wildlife, with a stretch of river so protected and so pristine that its beauty is written into law as much as it is into the landscape. Here, morning comes with company you didn’t have to invite.

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,810

Sqft

0.6 ac

Lot size

2

Garage

2008

Year built

Two

Levels

$881

Per sqft

WaterfrontWater view

Inside

FlooringCarpet · Tile · Hardwood
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Primary Bedroom Main Floor · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Cement Siding · Concrete · Stucco
FoundationSlab
ViewWater
FacesWest
ParkingOversized
ExteriorBalcony · French Doors · Lighting · Rain Gutters

Community & fees

Taxes (2025)$6,816/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.

$9,933 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,607
PMI (est., until 20% equity)$598
Property tax — 2025 actual bill$568
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $159,500Loan30-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% · $159,500
Interest rate6.00%
Loan term

Estimated payment

$9,933/mo

Principal & interest$8,607
PMI (est., until 20% equity)$598
Property taxes (actual bill)$568
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.

$/sqft vs Dunnellon actives

$881 vs $185

Days on market

24 vs 40 typical

Where $881/sqft sits among the 400 Dunnellon actives

351
32
9
4
1
3 · this home
$137–261$261–385$385–509$509–633$633–757$757+

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 9275 SW 186TH TERRACE

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$285K

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 620% above the DUNNELLON 34432 median. See the full Dunnellon market guide →

Paper trail

This home's history

Jul 10, 2026Listed at $1,595,000 · 24 days on market since
2008Built · K P

Reality check

What actually sold near 9275 SW 186TH TERRACE

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

19726 SW 95TH STREETSold · Sep ’25

$284,000

19726 SW 95TH STREET

3 bd · 2 ba · 1,818 sqft · $156/sqft · 131 DOM

19105 SW 98TH LOOPSold · Oct ’25

$339,000

19105 SW 98TH LOOP

3 bd · 2 ba · 1,797 sqft · $189/sqft · 11 DOM

9660 SW 196TH AVENUE ROADSold · May ’26

$367,000

9660 SW 196TH AVENUE ROAD

3 bd · 2 ba · 1,788 sqft · $205/sqft · 15 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 9275 SW 186TH TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 9275 SW 186TH TERRACE — 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

9275 SW 186TH TERRACE FAQs

What would the monthly payment be for 9275 SW 186TH TERRACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,933/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 9275 SW 186TH TERRACE?+

The most recent tax bill on record (2025) was $6,816. 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 $1,595,000, this home is listed about 432% above the Dunnellon median of $300,000. The market section on this page shows how the area is trending.

Which schools are assigned to 9275 SW 186TH TERRACE?+

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 · Julie Beck. MLS #OM728150.

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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