9809 N SWANEE TERRACE, DUNNELLON, FL, 34433
Active263 days on marketListed Nov 19, 2025MLS #O6361801
About this home
9809 N SWANEE TERRACE
Virtually Staged. Welcome to this beautifully crafted brand new 4-bedroom, 2-bath residence offering modern comfort, elegant finishes, and a spacious open-concept design. From the moment you step inside, you’ll notice the bright, airy feel created by the expansive living area and the sleek tile flooring that flows seamlessly throughout the entire home. The gourmet kitchen is the heart of the home, featuring stylish stone countertops, contemporary cabinetry, and ample workspace—perfect for everyday meals or entertaining guests. The open layout connects the kitchen to the dining and living spaces, making it easy to host gatherings and enjoy quality time with family. Retreat to the private master suite, complete with a generously sized walk-in closet and a beautifully designed bathroom. The additional bedrooms offer flexibility for family, guests, a home office, or hobby spaces. This move-in-ready home combines modern style with everyday functionality, making it an excellent choice for anyone seeking a fresh start in a beautifully finished space. With its thoughtful layout and high-quality updates, this property is ready to welcome its new owners.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,580
Sqft
0.23 ac
Lot size
2
Garage
2025
Year built
One
Levels
$158
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.
$1,788 /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
$1,788/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
−4.9%
$/sqft vs CITRUS SPGS UNIT 03
$158 vs $170
Days on market
263 vs 39 typical
Where $158/sqft sits among the 13 homes for sale in CITRUS SPGS UNIT 03
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 34433 — neighborhood snapshot
Population
8,218
Median age
45.8
Median income
$70,024
Median home value
$217,100
Avg household
2.63
Households w/ children
696
For the school run
Citrus 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)
8 of 13
CITRUS SPGS UNIT 03 have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 681% above the DUNNELLON 34433 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 9809 N SWANEE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$260,200
10651 N MATARO AVENUE · same community
4 bd · 2 ba · 1,580 sqft · $165/sqft · 166 DOM
Sold · Dec ’25$262,000
9631 N LOVELL DRIVE · same community
4 bd · 2.5 ba · 1,551 sqft · $169/sqft · 110 DOM
Sold · Sep ’25$253,000
3863 W GALLEON STREET · same community
4 bd · 2 ba · 1,548 sqft · $163/sqft · 63 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 9809 N SWANEE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9809 N SWANEE TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9809 N SWANEE TERRACE FAQs
What would the monthly payment be for 9809 N SWANEE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,788/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 9809 N SWANEE TERRACE?+
The most recent tax bill on record (2024) was $553. 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 $249,900, this home is listed about 17% below the Dunnellon median of $299,995. The market section on this page shows how the area is trending.
Which schools are assigned to 9809 N SWANEE TERRACE?+
Citrus Springs Elementary School (elementary), Citrus Springs Middle School (middle), Crystal River High School (high) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$249,900 runs 681% above the DUNNELLON 34433 median.
02Time on market is leverage
263 days on market against a Dunnellon median of 39 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $264,900, now $249,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WRA BUSINESS & REAL ESTATE · Fabiana Ferreira. MLS #O6361801.
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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