9800 SW 190TH TERRACE ROAD, DUNNELLON, FL, 34432
Active21 days on marketListed Jul 17, 2026MLS #OM728723
About this home
9800 SW 190TH TERRACE ROAD
Welcome to Villa Maria, a beautifully renovated 3-bedroom, 2.5-bathroom pool home tucked into the highly desirable Dunnellon corridor, just minutes from the crystal-clear waters of the Rainbow River and Rainbow Springs State Park. Fully rehabbed in 2022, this home combines modern updates with an unbeatable location. Whether you're searching for a private family retreat or a fully operational, income-generating investment property, Villa Maria delivers on every level. Property Highlights -3 Bedrooms / 2.5 Bathrooms — thoughtfully laid out for both everyday living and guest hosting -2,452 Square Feet of comfortable, light-filled living space -Private Open-Air Pool — a true backyard oasis for relaxing Florida evenings (not heated; pump-serviced and maintained on a regular cleaning schedule) -Outdoor Firepit Area — perfect for gathering under the stars -Low-Maintenance Turf Landscaping — lush, green year-round with no mowing required -Fully Rehabbed in 2022 — new flooring installed throughout all bedrooms and bathrooms -Solar Panels Installed in 2024 — energy-efficient upgrade that helps offset electricity costs -Freshly Painted, Interior & Exterior — move-in ready with a crisp, updated look throughout -Quiet, Established Neighborhood with easy access to Dunnellon's small-town charm and outdoor recreation -Minutes to Rainbow River & Rainbow Springs State Park — kayaking, tubing, snorkeling, and crystal-clear spring-fed swimming right in your backyard community -Private Resident Dock Access to the River — exclusive water access for a true riverside lifestyle -Convenient drive to Ocala for shopping, dining, and medical facilities Investment Opportunity: Villa Maria isn't just a beautiful home — it's a proven short-term rental with an established booking history and guest track record, currently operating successfully on Airbnb. For an investor buyer, that means immediate cash flow potential from day one, with the flexibility to continue as an STR, convert to a long-term rental, or move in and enjoy it as a private residence.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,452
Sqft
0.29 ac
Lot size
2
Garage
1989
Year built
One
Levels
$192
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 and the real association fee — not generic estimates.
$3,614 /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
$3,614/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.
$/sqft vs RAINBOW SPGS 05 REP
$192 vs $195
Days on market
21 vs 39 typical
Where $192/sqft sits among the 9 homes for sale in RAINBOW SPGS 05 REP
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 9
RAINBOW SPGS 05 REP have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 114% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 9800 SW 190TH TERRACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$380,000
19213 SW 101ST PLACE ROAD · same community
3 bd · 2 ba · 2,210 sqft · $172/sqft · 3 DOM
Sold · Feb ’26$410,000
10257 SW 193RD CT · same community
3 bd · 2 ba · 2,100 sqft · $195/sqft · 12 DOM
Sold · May ’26$340,000
9540 SW 189TH COURT · same community
3 bd · 2 ba · 2,073 sqft · $164/sqft · 302 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 9800 SW 190TH TERRACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9800 SW 190TH TERRACE ROAD — 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
9800 SW 190TH TERRACE ROAD FAQs
What would the monthly payment be for 9800 SW 190TH TERRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,614/mo — principal and interest, the actual property-tax bill, the $21/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 9800 SW 190TH TERRACE ROAD?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9800 SW 190TH TERRACE ROAD?+
The most recent tax bill on record (2025) was $5,500. 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 9800 SW 190TH TERRACE ROAD?+
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 $470,000, this home is listed about 57% above the Dunnellon median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9800 SW 190TH TERRACE ROAD?+
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 LPT REALTY, LLC · Dax Londono, PA. MLS #OM728723.
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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