3896 SW 177TH TERRACE, DUNNELLON, FL, 34432
Active31 days on marketListed Sep 15, 2026MLS #TB8549051
About this home
3896 SW 177TH TERRACE
Built in 2025 and set on 1.04 acres, this nearly new 3-bedroom, 2-bath home offers space, privacy, and modern comfort just minutes from Rainbow Springs. Located in Lake Tropicana Ranchettes with no HOA, the home features approximately 1,317 square feet of thoughtfully designed living space, an open floor plan, cathedral ceilings, stone countertops, and luxury vinyl plank flooring throughout the main living areas. The bedrooms are comfortably finished with carpet. Concrete block and stucco construction, a hip roof with fiberglass shingles, and an energy-efficient heat pump provide durability and efficiency. Additional features include an attached two-car garage with an automatic opener, a covered front porch, a rear patio, and a concrete and gravel driveway with plenty of room for RV or recreational-vehicle parking. With more than an acre of land, well and septic utilities, and convenient access to Rainbow Springs and Dunnellon, this move-in-ready property offers the benefits of a newer home without the wait of new construction. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,310
Sqft
1.04 ac
Lot size
2
Garage
2025
Year built
One
Levels
$228
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.
$2,106 /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
$2,106/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
−32.7%
$/sqft vs Dunnellon actives
$228 vs $185
Days on market
31 vs 67 typical
Where $228/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
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)
178 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 20% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 3896 SW 177TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$230,000
3780 SW 183RD TERRACE
4 bd · 1 ba · 1,302 sqft · $177/sqft · 27 DOM
Sold · Jan ’26$125,000
2980 SW 176TH AVENUE
3 bd · 2 ba · 1,296 sqft · $96/sqft · 63 DOM
Sold · Dec ’25$170,000
18471 SW 44TH STREET
3 bd · 2 ba · 1,290 sqft · $132/sqft · 60 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3896 SW 177TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3896 SW 177TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3896 SW 177TH TERRACE FAQs
What would the monthly payment be for 3896 SW 177TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,106/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 3896 SW 177TH TERRACE?+
The most recent tax bill on record (2025) was $641. 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 3896 SW 177TH TERRACE?+
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 $299,000, this home is priced right at the Dunnellon median.
Which schools are assigned to 3896 SW 177TH TERRACE?+
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 ONEIL COMMERCIAL ADVISORS · Ryan O'Neil. MLS #TB8549051.
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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