CENTURY 21 Edge
$2,0003 bd2 ba1,553 sqft$1 /sqft≈$174 /mo all-in ↓

5092 SW 197TH TERRACE, DUNNELLON, FL, 34431

Active113 days on marketListed Jun 25, 2026MLS #OM727407

✦ Priced 99% below the Dunnellon medianSingle Family Residence

About this home

5092 SW 197TH TERRACE

Discover your ideal home in this beautifully designed three-bedroom, two-bath residence situated on just under an acre in peaceful and charming Rainbow Acres. This property features an open floor plan that seamlessly connects the spacious living area, perfect for both relaxation and entertaining.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,553

Sqft

0.95 ac

Lot size

2

Garage

2022

Year built

One

Levels

$1

Per sqft

Inside

AppliancesConvection Oven · Dishwasher · Dryer · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

Community & fees

PetsNo

Utilities & systems

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$174 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$12
FHA mortgage insurance (est.)$1
Est. property taxes (1.1%/yr)$2
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $70Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $70
Interest rate6.00%
Loan term

Estimated payment

$174/mo

Principal & interest$12
FHA mortgage insurance (est.)$1
Est. property taxes$2
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.

$/sqft vs Dunnellon actives

$1 vs $184

Days on market

113 vs 67 typical

Where $1/sqft sits among the 400 Dunnellon actives

0 · this home
23
267
67
16
27
$1–73$73–145$145–216$216–288$288–360$360+

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.

The numbers that matter

The Dunnellon market

Seller’s marketLeans seller — 4.2 months of inventoryBuyer’s market

$265K → $280K

Dunnellon median sold, yr/yr

98.1%

Sale-to-list ratio (12 mo)

179 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 99% below the Dunnellon median. See the full Dunnellon market guide →

Paper trail

This home's history

Jun 25, 2026Listed at $2,000 · 113 days on market since
2022Built

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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 5092 SW 197TH TERRACE — start here.

CallText
john@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5092 SW 197TH TERRACE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

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

5092 SW 197TH TERRACE FAQs

What would the monthly payment be for 5092 SW 197TH TERRACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.

Are pets allowed at 5092 SW 197TH TERRACE?+

The listing reports pets: No. 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 $2,000, this home is listed about 99% below the Dunnellon median of $299,900. The market section on this page shows how the area is trending.

Keep looking

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Listing courtesy of COLDWELL BANKER ELLISON REALTY O · Jorge Guillen. MLS #OM727407.

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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