9781 SW 196TH CIRCLE, DUNNELLON, FL, 34432
Active145 days on marketListed Mar 11, 2026MLS #OM720164
About this home
9781 SW 196TH CIRCLE
This gorgeous home is situated in a quiet area of the beautiful Rainbow Springs County Club, backing to a wooded non-buildable lot for added privacy. A side-entrance garage enhances the curb appeal of this lovely home. The home has been updated with 2018 HVAC, 2021 water heater, 2022 pool pump, 2024 pool heater, 2024 roof, 2025 solar panels (lease transferable), 2025 irrigation upgrades including new heads, and remote controllable access. Inside, the open split bedroom floor plan features new luxury vinyl plank flooring throughout. The en suite primary bedroom includes dual walk in closets, dual vanities, water closet, a soaking tub, walk- in shower, and private access to a covered lanai where you can slip away with your morning coffee. There are two additional bedrooms, plus a full bath that provides exterior access to the pool and lanai. The spacious eat-in kitchen flows into both the family and great rooms, with plenty of space to accommodate a variety of furniture arrangements. Sliding glass doors open to the spacious outdoor living and screened heated pool area - perfect for entertaining family and friends! Residents enjoy access to the community center with game and fitness rooms, pool, disc golf course, pickleball, basketball and tennis courts, as well as private access to the Rainbow River, a popular destination for tubing, paddling, and picnicking. The Gulf Coast is just 30 minutes away for fishing, boating, and manatee watching. A quick 25 minute drive to the East is The World Equestrian Center, home to equestrian and other events, restaurants, shops, and more. This home is currently used part-time as an Airbnb. Experience the Florida lifestyle at its best!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,063
Sqft
0.46 ac
Lot size
3
Garage
2005
Year built
One
Levels
$213
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.
$3,416 /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
$3,416/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
+4.5%
$/sqft vs Dunnellon actives
$213 vs $186
Days on market
145 vs 40 typical
Where $213/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
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 → $285K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
174 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 98% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 9781 SW 196TH CIRCLE
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$299,000
8519 SW 197TH COURT ROAD · same community
3 bd · 2.5 ba · 2,053 sqft · $146/sqft · 102 DOM
Sold · Apr ’26$320,000
19395 SW 100TH LOOP · same community
3 bd · 2 ba · 2,095 sqft · $153/sqft · 26 DOM
Sold · Apr ’26$295,000
9738 SW 195TH CIRCLE · same community
3 bd · 2 ba · 1,681 sqft · $175/sqft · 2 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9781 SW 196TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9781 SW 196TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9781 SW 196TH CIRCLE FAQs
What would the monthly payment be for 9781 SW 196TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,416/mo — principal and interest, the actual property-tax bill, the $20/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 9781 SW 196TH CIRCLE?+
The association fee works out to $20 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9781 SW 196TH CIRCLE?+
The most recent tax bill on record (2025) was $5,454. 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 9781 SW 196TH CIRCLE?+
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 $439,500, this home is listed about 47% above the Dunnellon median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9781 SW 196TH CIRCLE?+
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
01Positioned at the premium end
$439,500 runs 98% above the DUNNELLON 34432 median — but at 2,063 sqft it's also 20% larger than the typical Dunnellon listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
145 days on market against a Dunnellon median of 40 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of IT'S ALL ABOUT YOU...REAL ESTA · Lisa Rogers. MLS #OM720164.
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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