
10377 SW 186 AVENUE, DUNNELLON, FL, 34432
Active1 days on marketListed Oct 12, 2026MLS #OM733739
About this home
10377 SW 186 AVENUE
Enjoy riverfront living in this 2023 concrete-block home built by Community Builders, situated on 2.18 partially fenced acres with approximately 105+/- feet of frontage on the Rainbow River. Featuring 3 bedrooms, 2½ baths, and two primary suites, this home combines an open floor plan with a split-bedroom layout for comfort and privacy. Tray ceilings accent all three bedrooms, while luxury vinyl plank flooring flows throughout the main living areas, complemented by carpet in the bedrooms and tile in the bathrooms. The kitchen features quartz countertops and dovetail drawers with soft-close functionality, opening to the living and dining spaces for easy entertaining. The main primary suite offers a sitting area, walk-in closet, wet shower, dual sinks, and a private door leading to the spacious, screen-enclosed lanai. The two additional bedrooms—including the second primary suite—are located on the opposite side of the home, providing a private retreat for family and guests. Outside, a covered 18X24 boathouse with a deck makes it easy to enjoy life on the water, while a storage shed provides space for outdoor essentials. Kayak, float, or fish right from your own property along the crystal-clear, spring-fed Rainbow River, with water temperatures of approximately 72 degrees year-round. Additional features include electric vehicle charging in the garage and a Generac generator. The home also includes a radiant barrier designed to reduce attic temperatures by up to 30 degrees, plus R-30 batt insulation over the living area. When it’s time to head into town, Dunnellon is approximately 10 minutes away for shopping, groceries, restaurants, and medical offices. Ocala is approximately 25 minutes away, offering additional dining, shopping, and several hospitals. With acreage, river frontage, newer construction, and a versatile two-suite layout, this property offers room to relax, entertain, and make the most of waterfront living.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,146
Sqft
2.18 ac
Lot size
2023
Year built
One
Levels
$606
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 — not generic estimates.
$8,721 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,721/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+72.9%
$/sqft vs Dunnellon actives
$606 vs $187
Days on market
1 vs 66 typical
Where $606/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
The numbers that matter
The Dunnellon market
$265K → $280K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
168 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 425% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 10377 SW 186 AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$384,000
19238 SW 101ST STREET
3 bd · 2 ba · 2,143 sqft · $179/sqft · 22 DOM
Sold · Apr ’26$322,000
10086 SW 192ND CIRCLE
3 bd · 2 ba · 2,107 sqft · $153/sqft · 14 DOM
Sold · Feb ’26$410,000
10257 SW 193RD CT
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.
Your agent
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 10377 SW 186 AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10377 SW 186 AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10377 SW 186 AVENUE FAQs
What would the monthly payment be for 10377 SW 186 AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,721/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 10377 SW 186 AVENUE?+
The most recent tax bill on record (2025) was $12,704. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Dunnellon?+
At $1,299,999, this home is listed about 333% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$1,299,999 runs 425% above the DUNNELLON 34432 median — but at 2,146 sqft it's also 27% larger than the typical Dunnellon listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Dunnellon market that averages 66 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RIVERS 2 RANCHES REAL ESTATE · Jennifer Kovach. MLS #OM733739.
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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