19588 SW 86TH LANE, DUNNELLON, FL, 34432
Active1 days on marketListed Sep 20, 2026MLS #OM732598
About this home
19588 SW 86TH LANE
Rainbow Springs, and more specifically the Fox Trace Village, in Dunnellon now has a completely updated 3 bedroom/2 bath home with a heated saltwater pool, a newer 2025 roof & exceptional outdoor living spaces just waiting for you to enjoy your best life. Beautifully updated home featuring a desirable split-bedroom floor plan, spacious ceilings, and thoughtful upgrades throughout. The living space offers impressive 10-foot ceilings, while the remainder of the home features 9.5-foot ceilings for an open, airy feel. The kitchen is designed for both everyday convenience and entertaining, with granite countertops, under-cabinet lighting, stainless-steel appliances, a 2026 dishwasher, and a 2023 refrigerator. Most lower cabinets have pull out drawer inserts for convenience and ease in storing essentials for your gourmet entertaining. Granite countertops continue into the bathrooms and laundry room for a cohesive, elevated finish. Relax in the primary suite, complete with a soaking tub and separate walk-in shower with multiple shower heads. The family room provides a warm gathering space with a propane fireplace. Additional highlights include updated kitchen, bathrooms, flooring, and fans; pest-resistant insulation; a termite bond; HVAC from 2018; and an oversized two-car garage of approximately 609 square feet. Enjoy Florida-style outdoor living in the screened, oversized lanai overlooking a saltwater pool with a sun shelf, a fountain, propane heater, and chlorine generator. The paver patio and built-in firepit create an inviting setting for relaxing or hosting guests. A new roof installed in 2025 and pest resistant insulation in the attic adds valuable peace of mind. Additionally, purchasing a home here gives you automatic membership for private member-only access to the River Park on the Rainbow River where you can launch your paddleboard, kayak or tube, swim in the swim area with a small beach and enjoy the beautiful Florida days in the pavilions set for picnicking or just gathering with friends. The community center includes a fitness room, billiards room and meeting space where you can join your friends for a fun game of bunco or mahjong. There is also a community pool, tennis/pickleball courts, shuffleboard, bocce, disc golf and basketball available for your exercising pleasure. The community also features a walking trail park designed with various distances available to renew your friendship with nature and your fur babies are welcome to join you on the trails. This home and community are unique to our area; 15 minutes to the World Equestrian Center in Ocala with its horse shows and community offerings, 25 minutes to the Gulf for fishing and snorkeling, Ocala is 25 minutes east and Gainesville is 45 minutes north. Centrally located in North Florida, you are close to everything but with a rural feel.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,085
Sqft
0.37 ac
Lot size
2
Garage
2000
Year built
One
Levels
$237
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.
$3,564 /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
$3,564/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
+20.7%
$/sqft vs Dunnellon actives
$237 vs $185
Days on market
1 vs 35 typical
Where $237/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 →
The numbers that matter
The Dunnellon market
$265K → $280K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
172 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 115% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 19588 SW 86TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$469,500
2555 FIREFLAG LANE · same community
3 bd · 2 ba · 1,952 sqft · $241/sqft · 10 DOM
Sold · Mar ’26$380,000
9925 SW 203RD CIRCLE
3 bd · 2 ba · 2,090 sqft · $182/sqft · 11 DOM
Sold · Apr ’26$320,000
19395 SW 100TH LOOP
3 bd · 2 ba · 2,095 sqft · $153/sqft · 26 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 19588 SW 86TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19588 SW 86TH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
19588 SW 86TH LANE FAQs
What would the monthly payment be for 19588 SW 86TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,564/mo — principal and interest, the actual property-tax bill, the $36/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 19588 SW 86TH LANE?+
The association fee works out to $36 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19588 SW 86TH LANE?+
The most recent tax bill on record (2025) was $2,825. 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 19588 SW 86TH LANE?+
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 $495,000, this home is listed about 62% above the Dunnellon median of $305,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$495,000 runs 115% above the DUNNELLON 34432 median — but at 2,085 sqft it's also 18% 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.
03Fresh on the market
Only 1 day on market in a Dunnellon market that averages 35 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RAINBOW SPRINGS REAL ESTATE · Lynne Eder. MLS #OM732598.
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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