9916 SW 189TH CIRCLE, Dunnellon, FL, 34432 | $249,000

Under contract-accepting backup offers. Rainbow River Access Split-Plan Home on . 30-acre Corner Lot | 2025 Roof, HVAC & Water Heater in the beloved Village of Rainbow Springs Country this 2-bedroom, 2 bath split-plan home has a feeling you notice the moment you arrive. Something unhurried. Something right, it's the kind of home where good music plays softly in the background, & the day has options for adventures that fit your lifestyle.
At 1457 sq ft under air - with 2, 115 total under roof - the layout is comfortable & considered. The open living & dining area flows naturally - with sliding glass doors that invite the outside in & lead to a screened porch overlooking a calm, private backyard with easy-care landscaping. The kitchen is light & bright, features a breakfast bar & a sunny breakfast nook with its own doors out to the screened porch, making morning coffee feel like a small ceremony worth savoring. The primary bedroom offers a true walk-in closet, 3 piece en-suite, the bedroom itself is suited well for a king size bed & multiple furniture pieces, viewing the tranquil backyard is easy with the bank of windows & doors leading to the screened porch. The second bedroom, on the other side of the living area is also well sized and has a bay window perfect for in-home office area or your vision without taking up bedroom space. The two-car garage offers generous space for kayaks, a golf cart, bikes or yes, even a car. Neighbors are nearby, but the corner lot gives you a sense of space & quiet that feels genuinely earned. The big "stuff" is already handled: roof (transferable warranty), HVAC, & hot water heater all replaced in 2025, a termite protection plan is in place and the home sits outside of any flood zone. Built in 1992 on approximately . 30 of an acre- solid, settled & well cared for. And the community wraps it all up beautifully. Private access to the crystalline Rainbow River. A residential beach area. A community pool, pickleball courts, walking areas. All for just $250. 00 a year in HOA dues - one of the most generous values in the area. The World Equestrians Center is a 25-minute drive, Downtown Dunnellon with antique shops, multiple community events, grocery stores, schools, restaurants & doctors are minutes from this home. The Gulf is only 20 minutes, and if Tampa & Orlando access is needed your looking at 1. 5 hours mol.
This is a home with a soul. Come feel it for yourself.

Features

  • Amenities: Pickleball Court(s), Pool
  • Rooms: 3
  • Bedrooms: 2
  • Baths: 2 full
  • Lot Size: 100 x 132
  • Laundry: Inside, Laundry Room
  • Year Built: 1992
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,457
  • Acreage: 0.3
  • Lot Size: 100 x 132
  • Est. Taxes: $3,180
  • HOA Fee: $250 Annually
  • Lot Desc: Corner Lot, In County, Landscaped, Level
  • View: Trees/Woods
  • Elem. School: Dunnellon Elementary School
  • Middle School: Dunnellon Middle School
  • High School: Dunnellon High School
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Range, Refrigerator
  • MLS#: OM720962
  • Days on Market: 6 days
  • Website: https://www.raveis.com
    /prop/OM720962/9916sw189thcircle_dunnellon_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/11/2026 3:36:41 AM)
Listing courtesy of BRICKS & MORTAR REAL ESTATE   Phone: 352-519-1888

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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9916 SW 189TH CIRCLE, Dunnellon, FL, 34432

$249,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $199,200 $199,200 $199,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.431% 5.668%
Monthly Tax Payment $265 $265 $265
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,178 $1,227 $1,614
Total Monthly Payment $1,518 $1,567 $1,954

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.