
9977 SW 192ND CIRCLE, DUNNELLON, FL, 34432
Active10 days on marketListed Oct 6, 2026MLS #OM733520
About this home
9977 SW 192ND CIRCLE
There is a place in Dunnellon where the river runs clear as glass and holds at 72 degrees all year, and those who find it tend to stay. Rainbow Springs Country Club Estates is that place: winding, tree-shaded streets and a private residents' park on the Rainbow River, where you can swim, launch a kayak, or linger under the pavilions long after the afternoon has gone soft. Closer to home, the community center offers a pool, fitness room, tennis, and pickleball, and the days have a way of filling themselves. This 2,199 Sq.Ft, 3/2/2 home’s welcome begins before the door. Beautiful landscaping frames the approach, and then, one step inside, cascading ceilings rise overhead and the whole home seems to exhale. The living and dining areas open toward a large lanai (equipped with a hot tub connection already in place) and such an inviting space, the greenery arranges itself like a row of living canvases. Inside the home, the split floor plan gives everyone their own quiet. The primary suite feels set apart from the rest of the day, with two large walk-in closets and a soaking tub made for unhurried evenings. Across the home, two more bedrooms wait for guests or a home office, one with a walk-in closet of its own. In the kitchen, Corian countertops and a spacious breakfast bar are made for family gatherings. Also, for those who like to tinker, the two-car garage carries an additional bay for hobbies, a workshop, or the golf cart. This is a walking-friendly neighborhood, known for the kind of neighbors who yes - actually wave and say hello - and who you may learn their dog’s name before you learn theirs. KP Hole Park, with its boat ramp and kayak launch, is just minutes away, as is the Rainbow Springs private community river park. Rainbow Springs State Park is close by too, the easy answer when family comes to visit. Downtown Dunnellon's restaurants, shops, and everyday conveniences are roughly 10 minutes away. The World Equestrian Center is about 30 minutes, with historic downtown Ocala and its dining, shopping, and medical care just beyond. Gulf Coast waters are about an hour away, and the airports and theme parks of Tampa and Orlando are roughly an hour and a half to two hours by car.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,199
Sqft
0.29 ac
Lot size
2002
Year built
One
Levels
$177
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.
$2,890 /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
$2,890/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
+11.1%
$/sqft vs RAINBOW SPGS 05 REP
$177 vs $187
Days on market
10 vs 67 typical
Where $177/sqft sits among the 7 homes for sale in RAINBOW SPGS 05 REP
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)
2 of 7
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 56% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 9977 SW 192ND CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$380,000
19213 SW 101ST PLACE ROAD · same community
3 bd · 2 ba · 2,210 sqft · $172/sqft · 3 DOM
Sold · Feb ’26$410,000
10257 SW 193RD CT · same community
3 bd · 2 ba · 2,100 sqft · $195/sqft · 12 DOM
Sold · Aug ’26$380,000
19439 SW 101ST PLACE ROAD · same community
3 bd · 2.5 ba · 2,089 sqft · $182/sqft · 181 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 9977 SW 192ND CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9977 SW 192ND CIRCLE — 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
9977 SW 192ND CIRCLE FAQs
What would the monthly payment be for 9977 SW 192ND CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,890/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 9977 SW 192ND CIRCLE?+
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 9977 SW 192ND CIRCLE?+
The most recent tax bill on record (2025) was $2,886. 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 9977 SW 192ND 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 $390,000, this home is listed about 30% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 9977 SW 192ND CIRCLE?+
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 CORNERSTONE RE · Julie Beck. MLS #OM733520.
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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