12185 SW 98TH STREET, DUNNELLON, FL, 34432
Active67 days on marketListed Aug 10, 2026MLS #O6431491
About this home
12185 SW 98TH STREET
Virtually Staged. LAST COMPLETED HAVEN II AVAILABLE FROM THE BUILDER IN 2026 — MOVE-IN READY NOW! Priced at $514,725, this completed 4-bedroom, 3-bath home with a dedicated OFFICE, TRUE 3-CAR GARAGE and 2,621 square feet of living space sits high and dry on a premium 1.16-ACRE HOMESITE with NO HOA. An impressive 75-FOOT DRIVEWAY upgraded PEARL STONE VENEER and thoughtfully selected designer finishes set this home apart from typical new construction. Skip the build timeline and move into a completed home where the upgrades, space and craftsmanship are already here for you to see. The kitchen is designed to be the centerpiece of the home with 42-inch soft-close cabinetry, granite countertops, custom tile backsplash, stainless steel appliances, range hood, pot filler and an oversized center island finished in a warm oak tone for a beautiful contrast. Just off the kitchen, the CUSTOM MUDROOM includes a built-in coffee/wine bar and connects to an OVERSIZED WALK-IN PANTRY and separate laundry room—creating an exceptionally functional everyday drop zone. The redesigned owner’s suite offers tray ceilings, dual walk-in closets and a spacious bath featuring an oversized L-shaped dual vanity with dedicated makeup area and a large tiled walk-in shower. On the opposite side of the home, a PRIVATE GUEST ENSUITE includes its own full bath and direct access to the covered lanai—ideal for overnight guests, extended stays or multigenerational living. Step outside to the expansive COVERED LANAI overlooking the large backyard with room to create the outdoor space you want. With NO HOA, acreage, a true 3-car garage, dedicated office, flexible guest accommodations and immediate occupancy, this home offers a combination that is increasingly difficult to find in new construction. Photos. and video show the actual home. CO ISSUED — COMPLETED AND READY FOR IMMEDIATE OCCUPANCY. Builders' lenders offer incentives. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,621
Sqft
1.16 ac
Lot size
3
Garage
2026
Year built
One
Levels
$196
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.
$3,449 /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
$3,449/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
+6.5%
$/sqft vs ROLLING HILLS UN 01
$196 vs $200
Days on market
67 vs 67 typical
Where $196/sqft sits among the 20 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)
4 of 20
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 106% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 12185 SW 98TH STREET
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$461,850
8669 SW 138TH TERRACE · same community
4 bd · 3 ba · 2,508 sqft · $184/sqft · 35 DOM
Sold · Dec ’25$505,000
13437 SW 85 PLACE · same community
3 bd · 2.5 ba · 2,355 sqft · $214/sqft · 24 DOM
Sold · Jul ’26$482,500
8334 SW 122ND AVENUE · same community
3 bd · 2 ba · 2,249 sqft · $215/sqft · 78 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 12185 SW 98TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12185 SW 98TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12185 SW 98TH STREET FAQs
What would the monthly payment be for 12185 SW 98TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,449/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 12185 SW 98TH STREET?+
The most recent tax bill on record (2025) was $375. 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 $514,725, this home is listed about 72% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12185 SW 98TH STREET?+
Dunnellon High School (high), Dunnellon Elementary School (elementary), 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 KELLER WILLIAMS CLASSIC · Lisa Gehret. MLS #O6431491.
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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