9670 SW 190th Terrace Rd, photo 1
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Overview

3 bd2 ba1,888 sqft2 car garageSingle Family
TypeSingle Family
HOA$250/yr
Built1992
Lot11,761 sqft
Living area1,888 sqft
Price / sqft$198
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsLiving Room/Dining Room ComboPrimary Bedroom Main FloorSplit BedroomThermostatVaulted Ceiling(s)Hurricane Shutters

9670 SW 190th Terrace Rd is a 1992-built home in Rainbow Springs Property Owners Association, Dunnellon. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,888 square feet of living space. Listed at $374,000 (about $198/sqft), 76 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $250 annually.

From the listing

Walk into this house and immediately feel that you are home. The high ceilings make the home feel expansive and gives extra options for decorating to your personal style. Upon entering the home, your formal living room and dining room take center stage. The kitchen is centrally located and large with so many cabinets you will have room for all your gadgets. The view from the kitchen and family room out the back of the home is amazing with established landscaping and the beautifully displayed pool and lanai. The natural light from the skylights brings the outside inside. The split plan has the primary bedroom with ensuite located off the formal living space with access to the lanai. The dual sinks with separation, the garden tub and separate shower are also bathed in natural light. The guest area is located off the family room side of the home with the second bathroom. The lot is nicely landscaped with room to add your favorite Florida flora. Maintenance to the home has been outstanding: Roof replaced in 2017, HVAC (2 stage, high efficiency heat pump) replaced in 12/2023, pool enclosure was replaced in 9/2010 (damaged in storm), Frig, stove and microwave replaced in 2024, Washer and dryer replaced in 2023/2024, pool pump replaced in 2026, attic insulation added in 2026, windows inspected with four replaced in 5/2026 and driveway replaced in 2019. Only basic cosmetics to meet your decorating style is needed. All this with community access to the Rainbow River at the member only River Park for a low annual assessment of $250. Yes, you read that correctly - annual. The community pool, tennis/pickleball courts, horseshoes, bocce ball courts, disk golf course, billiards room, exercise room and so much more are included in the annual assessment also. Rainbow Springs is a highly desirable community in north central Florida with easy access to the Gulf, the World Equestrian Center and so much more.

The essentials

Built
1992
Price / sqft
$198
On market
93 days
Annual tax
$1,954
HOA
$250/yr
Flood zone
X · Low risk
Lot
11,761 sqft
Type
Single Family Residence

At a glance

Single family
Built 1992
Private pool
Auto Cleaner
2 car garage
0.27 acres
Lot size
1,888 sqft
Living area

Payment

Est. monthly payment
$2,322/mo
Down payment (20%)
$74,800
Property taxes
$163/mo
HOA
$250/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1992
Lot
11,761 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
-
Pool
Auto Cleaner, Gunite, Outside Bath Access, Screen Enclosure
Days on Market
93
Ceiling Fans(s)
High Ceilings
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Vaulted Ceiling(s)
Hurricane Shutters
Private Mailbox
Association Recreation - Lease
Deed Restrictions
Restaurant
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Dunnellon Elementary School
Middle
Dunnellon Middle School
High
Dunnellon High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,954
Parcel #
3297-159-007

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Rainbow Springs Property Owners Association
County
Marion
MLS Area
34432 - Dunnellon
Lot Size
11,761 sqft
HOA
$250/yr
Kimberly Kreig

Price history

Date
Event
Price
9/25/2026
Price change
Source: Stellar MLS #OM727559
$374,000-1.3%
$198/sqft
7/8/2026
Listed for sale
Source: Stellar MLS #OM727559
$379,000
$201/sqft

Neighborhood

9670 SW 190th Terrace Rd
Dunnellon, FL, 34432 · 34432 - Dunnellon

Market insights

Offer Insights

Choose an offer strength

List price: $374,000
$370,000 – $374,000
98.9% – 100% of listTops out right at the list price
80% of listList price
161 of the last 320 home closings in 34432 landed at this number or higher (50%). The median one sat 48 days before it went under contract, and this one is on day 93 after a $5,000 cut.

Sample: 320 closed home sales in 34432 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,321/mo
Principal & interest$1,951
Property taxes$163
Insurance$187
HOA$21
Down payment20% · $74,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$374,000

$198 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,888 sq ft

Time on market

93 days

Year built

1992

Monthly payment

About $2,322/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,954 annual tax bill, insurance, and the $250/yr HOA fee.

HOA fee

$250/yr

Managed by Kimberly Kreig.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Have another question?

Brokered byRAINBOW SPRINGS REAL ESTATEListing agent: Lynne EderListing data from Stellar MLS, MLS# OM727559.

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