12188 SW 81ST STREET, DUNNELLON, FL, 34432
Active26 days on marketListed Jul 12, 2026MLS #OM728332
About this home
12188 SW 81ST STREET
Under Construction. New CONSTRUCTION - This 4 bedroom 2 bath split floor plan is a real crowd pleaser. In addition to the 4 bedrooms, this home has an additional living room which is perfect for a play room, man cave or office. 3 car garage for additional storage or for all the toys. Master bedroom and bedroom 4 both lead out to the large covered lanai which is perfect for outdoor activities. This home has many tasteful upgrades including, tray ceiling in Master Bed, tile shower in master bath, upgraded Shaker cabinetry with stainless pull bars, granite counters throughout, stainless appliance package, upgraded 12x24 tile in all main living areas except bedrooms. All rear doors have blind inserts. a 10 year limited warranty. Pre-approval from preferred lender required, standard bank closing costs paid with approved lender. RENDERINGS FOR ILLUSTRATIVE PURPOSES ONLY, FINAL PRODUCT MAY VARY. ESTIMATED COMPLETION, SEPTEMBER 2026.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,169
Sqft
1.12 ac
Lot size
3
Garage
2026
Year built
One
Levels
$202
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.
$2,967 /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
$2,967/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
−16.6%
$/sqft vs ROLLING HILLS UN 01
$202 vs $193
Days on market
26 vs 39 typical
Where $202/sqft sits among the 8 homes for sale in ROLLING HILLS UN 01
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)
3 of 8
ROLLING HILLS UN 01 have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 12188 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 · Apr ’26$472,000
8660 SW 137TH COURT · same community
3 bd · 2 ba · 2,157 sqft · $219/sqft · 315 DOM
Sold · Jul ’26$482,500
8334 SW 122ND AVENUE · same community
3 bd · 2 ba · 2,249 sqft · $215/sqft · 78 DOM
Sold · Apr ’26$489,900
12915 SW 85TH PLACE · same community
4 bd · 2 ba · 2,073 sqft · $236/sqft · 112 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 12188 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 12188 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
12188 SW 81ST STREET FAQs
What would the monthly payment be for 12188 SW 81ST STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,967/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 12188 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.
Are pets allowed at 12188 SW 81ST STREET?+
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 $438,750, this home is listed about 46% above the Dunnellon median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12188 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 ADAMS HOMES REALTY INC · RJ Albritton. MLS #OM728332.
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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