CENTURY 21 Edge
$399,9002 bd2 ba2,081 sqft$192 /sqft$3,010 /mo all-in ↓

9636 SW 190TH TERRACE ROAD, DUNNELLON, FL, 34432

Active18 days on marketListed Aug 16, 2026MLS #OM730502

Fully furnishedSingle Family ResidenceRAINBOW SPGS 05 REP

About this home

9636 SW 190TH TERRACE ROAD

Welcome home to this beautifully remodeled 2/2/2 retreat in the heart of Rainbow Springs Country Club Estates—a place where neighbors wave from their porches and life simply feels a little sweeter. With 2,081 square feet of thoughtfully updated living space, this immaculately cared-for home greets you with a charming paver driveway and interiors that feel comforting the moment you walk through the door. Tile flooring flows gracefully throughout, and every room carries that timeless, polished touch that makes a house feel like home—the kind of place where morning light embraces the fully remodeled kitchen and evenings wind down slowly, with golden afternoon tones to soften the mood each day. Step out to the air-conditioned lanai, your own little slice of peace, perfect for sipping coffee or tea as the day begins or sharing a quiet dinner with friends or family under the stars. The paver patio and lush, privacy-lined landscaping create a backyard that feels like a secret garden—a spot to unwind, entertain friends, or simply savor another gorgeous Florida evening. The spacious two-car garage comes with a bonus storage area, ready to become a golf cart garage, workshop, or whatever fits your next chapter. And the best part? This is small-town living with big-time beauty right outside your door. As a resident, you'll enjoy access to the Rainbow Springs Private Community Amenities, including a park with private access to this incredibly clear Rainbow River—a local treasure known for lazy tubing days, kayak adventures, and the kind of natural wonder that reminds you why you fell in love with Florida in the first place. Just down the road, Dunnellon welcomes you with its easy, riverside charm—friendly shops, good food, and a pace of life that lets you actually breathe. You're also just a short drive from Ocala and the world-renowned World Equestrian Center, with easy access to the Gulf Coast beaches, beloved theme parks, and major airports whenever adventure calls. This is more than a house—it's a hometown feeling wrapped in Florida elegance. A rare chance to plant roots somewhere truly special.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

2,081

Sqft

0.27 ac

Lot size

2

Garage

1993

Year built

One

Levels

$192

Per sqft

FurnishedPets allowed

Inside

FlooringTile
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Washer
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Skylight(s) · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesNortheast
ExteriorIrrigation System · Rain Gutters · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$21/mo
Taxes (2025)$3,575/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Public · Water Connected
WaterPublic

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.

$3,010 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property tax — 2025 actual bill$298
HOA fee — from the listing$21
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,997Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida 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

Run your own numbers

Loan type
Down payment3.5% · $13,997
Interest rate6.00%
Loan term

Estimated payment

$3,010/mo

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property taxes (actual bill)$298
HOA / condo fee$21
Est. insurance$160

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.

$/sqft vs RAINBOW SPGS 05 REP

$192 vs $200

Days on market

18 vs 35 typical

Where $192/sqft sits among the 10 homes for sale in RAINBOW SPGS 05 REP

3
2 · this home
2
1
1
1
$168–182$182–196$196–210$210–224$224–238$238+

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 →

The numbers that matter

The Dunnellon market

Seller’s marketLeans seller3.6 months of inventoryBuyer’s market

$265K$280K

Dunnellon median sold, yr/yr

98.1%

Sale-to-list ratio (12 mo)

1 of 10

RAINBOW SPGS 05 REP have cut their price

Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 90% above the DUNNELLON 34432 median. See the full Dunnellon market guide →

Paper trail

This home's history

Aug 16, 2026Listed at $399,900 · 18 days on market since
1993Built · RAINBOW SPGS 05 REP

Reality check

What actually sold near 9636 SW 190TH TERRACE ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

19439 SW 101ST PLACE ROADSold · Aug ’26

$380,000

19439 SW 101ST PLACE ROAD · same community

3 bd · 2.5 ba · 2,089 sqft · $182/sqft · 181 DOM

9540 SW 189TH COURTSold · May ’26

$340,000

9540 SW 189TH COURT · same community

3 bd · 2 ba · 2,073 sqft · $164/sqft · 302 DOM

10257 SW 193RD CTSold · Feb ’26

$410,000

10257 SW 193RD CT · same community

3 bd · 2 ba · 2,100 sqft · $195/sqft · 12 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.

Solance Kallendorf

Your agent

Solance Kallendorf

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 9636 SW 190TH TERRACE ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 9636 SW 190TH TERRACE ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

9636 SW 190TH TERRACE ROAD FAQs

What would the monthly payment be for 9636 SW 190TH TERRACE ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,010/mo — principal and interest, the actual property-tax bill, the $21/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 9636 SW 190TH TERRACE ROAD?+

The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 9636 SW 190TH TERRACE ROAD?+

The most recent tax bill on record (2025) was $3,575. 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 9636 SW 190TH TERRACE ROAD?+

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 $399,900, this home is listed about 31% above the Dunnellon median of $305,000. The market section on this page shows how the area is trending.

Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Julie Beck. MLS #OM730502.

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.

Never miss a listing

New Dunnellon homes, in your inbox

Like 9636 SW 190TH TERRACE ROAD but not quite? A daily digest of every new listing in Dunnellon — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Solance to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated September 3, 2026 at 11:47 AM UTC. The listing information on this page last changed on September 3, 2026 at 11:47 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on September 3, 2026 at 11:47 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: September 3, 2026 at 11:47 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.