12185 SW 98TH STREET, DUNNELLON, FL, 34432
Active6 days on marketListed Aug 10, 2026MLS #O6431491
About this home
12185 SW 98TH STREET
Under Construction. SEPTEMBER 2026 MOVE-IN ON 1.16 ACRES! One of the final opportunities this year to own a sought-after Haven II model. Offering over 2,600 square feet, this under-construction home combines today’s most requested features with the privacy of an oversized homesite. The spacious floor plan features 4 bedrooms, 3 full baths, a dedicated OFFICE with French doors, MUDROOM and a TRUE 3-CAR GARAGE. The striking front elevation includes an upgraded pearl stone veneer accent. Inside, the open-concept living area is designed for entertaining with vaulted ceilings and a chef-inspired kitchen featuring soft-close cabinetry, granite countertops, a large center island, stainless steel appliances, custom backsplash, range hood and a pot filler. A custom MUDROOM with coffee and wine bar and a generous walk-in pantry and laundry room adds everyday convenience and character. The private owner’s suite offers tray ceilings, dual walk-in closets, an oversized L-shaped vanity with a dedicated makeup station, and a spacious tiled walk-in shower with a transom window. A private guest ENSUITE with its own bath and direct lanai access is ideal for visitors or multi-generational living, while two additional bedrooms share a beautifully finished bathroom. Step outside to the expansive covered lanai overlooking your private 1.16-acre homesite—the perfect setting for relaxing evenings, entertaining family and friends, or simply enjoying the peaceful Florida lifestyle. Construction is on schedule for a September 2026 Certificate of Occupancy. Color feature varies as the photos/video are from a previous model. Photos include optional buyer upgrades not included in the listing price, including luxury plank flooring in the bedrooms, upgraded appliances, butcher block mudroom bench with upper cabinetry, and epoxy garage flooring. Photos #1-5 taken 8/12/2026 at site.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,621
Sqft
1.16 ac
Lot size
3
Garage
2026
Year built
One
Levels
$200
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.
$3,514 /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
$3,514/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
−0.7%
$/sqft vs ROLLING HILLS UN 01
$200 vs $193
Days on market
6 vs 40 typical
Where $200/sqft sits among the 7 homes for sale in ROLLING HILLS UN 01
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)
3 of 7
ROLLING HILLS UN 01 have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 150% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 12185 SW 98TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$515,000
13455 SW 85 PLACE · same community
4 bd · 3 ba · 2,621 sqft · $196/sqft · 305 DOM
Sold · Mar ’26$461,850
8669 SW 138TH TERRACE · same community
4 bd · 3 ba · 2,508 sqft · $184/sqft · 35 DOM
Sold · Dec ’25$505,000
13437 SW 85 PLACE · same community
3 bd · 2.5 ba · 2,355 sqft · $214/sqft · 24 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
Tanisha Sicardo
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12185 SW 98TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12185 SW 98TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Tanisha's phone and CRM.
Straight answers
12185 SW 98TH STREET FAQs
What would the monthly payment be for 12185 SW 98TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,514/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 12185 SW 98TH STREET?+
The most recent tax bill on record (2025) was $375. 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 $525,000, this home is listed about 74% above the Dunnellon median of $301,535. The market section on this page shows how the area is trending.
Which schools are assigned to 12185 SW 98TH STREET?+
Dunnellon Elementary School (elementary), Dunnellon High School (high), 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 CLASSIC · Lisa Gehret. MLS #O6431491.
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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