12139 Palmetto WAY, DUNNELLON, FL, 34432
Active520 days on marketListed May 12, 2025MLS #CC844648
About this home
12139 Palmetto WAY
Own Your Slice of Heaven on the Rainbow River. Discover the perfect section of the Rainbow, offering peaceful, tranquil, serene riverfront life. This retreat on the pristine Rainbow River is waiting for you. Enjoy an open-concept kitchen and living area—ideal for entertaining family and friends. Step outside to your private dock for kayaking, tubing, or boating right from your backyard. Cruise into Dunnellon by boat, explore the scenic Withlacoochee River, or head to Lake Rousseau for exceptional freshwater fishing. Relax on your screened patio while taking in breathtaking views of the river, or spend the day at nearby Rainbow Springs State Park for a family picnic. Conveniently located with easy access to Ocala, Gainesville, Crystal River, the Suncoast Parkway to Tampa, and Gulf Coast fishing. Close to shopping, dining, golf courses, medical facilities, and more. Don’t miss this rare opportunity to live where others vacation! Owner financing with 1/2 down, 5% interest. Insurance and taxes to be escrowed
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,230
Sqft
0.49 ac
Lot size
1961
Year built
$785
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.
$11,090 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$11,090/mo
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.
vs edgeAI estimate
+238.4%
$/sqft vs Dunnellon actives
$785 vs $187
Days on market
520 vs 68 typical
Where $785/sqft sits among the 400 Dunnellon actives
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
The numbers that matter
The Dunnellon market
$265K → $280K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
172 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 607% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 12139 Palmetto WAY
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$710,000
19938 BURKITT ROAD
3 bd · 3 ba · 2,252 sqft · $315/sqft · 364 DOM
Sold · Jun ’26$1,400,000
11635 E BLUE COVE DRIVE
4 bd · 3 ba · 2,203 sqft · $635/sqft · 40 DOM
Sold · May ’26$432,115
2375 SANDS POINT AVENUE
3 bd · 2 ba · 1,907 sqft · $227/sqft · 0 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12139 Palmetto WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12139 Palmetto WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12139 Palmetto WAY FAQs
What would the monthly payment be for 12139 Palmetto WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,090/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 12139 Palmetto WAY?+
The most recent tax bill on record (2024) was $9,968. 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 $1,750,000, this home is listed about 484% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
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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