13646 SW 115TH AVENUE, DUNNELLON, FL, 34432
Active21 days on marketListed Jul 16, 2026MLS #TB8528825
About this home
13646 SW 115TH AVENUE
Virtually Staged. Welcome to carefree living in the sought-after 55+ gated community of Spruce Creek Preserve! This well-maintained 2BR/2BA villa features an open floor plan, granite countertops, stainless steel appliances, updated flooring, walk-in closet, screened rear lanai, and a 1-car garage with a new garage door. Recent updates include newer appliances, exterior paint, landscaping, and more. HOA includes lawn care, internet, clubhouse, fitness center, and community amenities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,465
Sqft
0.04 ac
Lot size
1
Garage
2006
Year built
One
Levels
$123
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.
$1,967 /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
$1,967/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
+5.9%
$/sqft vs SPRUCE CREEK PRESERVE
$123 vs $158
Days on market
21 vs 39 typical
Where $123/sqft sits among the 6 homes for sale in SPRUCE CREEK PRESERVE
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)
5 of 6
SPRUCE CREEK PRESERVE have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 13646 SW 115TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$207,500
11287 SW 136TH PLACE · same community
2 bd · 2 ba · 1,446 sqft · $143/sqft · 111 DOM
Sold · May ’26$195,000
13710 SW 112TH CIRCLE · same community
2 bd · 2 ba · 1,446 sqft · $135/sqft · 157 DOM
Sold · Nov ’25$230,000
14695 SW 112TH CIRCLE · same community
2 bd · 2 ba · 1,444 sqft · $159/sqft · 139 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 13646 SW 115TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13646 SW 115TH AVENUE — 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
13646 SW 115TH AVENUE FAQs
What would the monthly payment be for 13646 SW 115TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,967/mo — principal and interest, the actual property-tax bill, the $531/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 13646 SW 115TH AVENUE?+
The association fee works out to $531 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13646 SW 115TH AVENUE?+
The most recent tax bill on record (2025) was $1,645. 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 13646 SW 115TH AVENUE?+
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 $179,999, this home is listed about 40% below the Dunnellon median of $299,995. The market section on this page shows how the area is trending.
Which schools are assigned to 13646 SW 115TH AVENUE?+
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.
The brief
Three things that matter here
01Under the DUNNELLON 34432 market on paper
$179,999 is 18% below the DUNNELLON 34432 median of $220,000, and at $123/sqft it sits under the Dunnellon average of $211.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $531/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Danique Haywood. MLS #TB8528825.
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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