

Overview
Ask anything about this home
Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- RAINBOW SPGS 5TH REP
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$21/mo
- CDD bond
- No CDD disclosed
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
About this home
9776 SW 196th Cir is a 2026-built home in Rainbow Spgs 5th Rep, Dunnellon. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,695 square feet of living space. Listed at $274,000 (about $162/sqft), 63 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $250 annually.
Virtually Staged. MOVE IN READY!! Beautiful new construction home in Rainbow Springs! Luxury Plank Vinyl flooring throughout all living and common areas, tile in bathrooms, and carpet in the bedrooms. Open floor plan with dining room and large kitchen island area, all done in neutral, pleasing colors. Inside laundry with W & D hook-ups. Walk-in closet + regular size closet in Master bedroom. Stainless steel appliance package in the kitchen. Cabinets are white shaker-style with light luxury granite countertops. Rainbow Springs residents have the luxury of gated, private access to the crystal clear waters of the Rainbow River with a private beach, pavilion, and grill area. With a low POA fee of about $230 annually, residents get a community club house, swimming pool, workout/fitness room, lighted tennis courts, a game room, and a 9 hole frisbee golf course. Rainbow Springs has an on-site restaurant, a large outdoor patio overlooking the pond, and a private banquet hall for special events. Please see attached documents from Builder (Builders Contract Addendum & Warranty) Actual photos are currently unavailable. Any photos depicted are for illustration purposes only and only to show layout. Floor plan displayed is our standard plan and garage orientation may vary on actual home. Interior and exterior colors, finishes, and garage orientation will vary for actual home. Information is deemed correct, but no guarantee made. Any dimensions listed are approximate.
The essentials
At a glance
Payment
Details
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
Choose an offer strength
Sample: 320 closed home sales in 34432 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
Talk through an offer with our teamCalculator
Not sure what you can afford?
Put in your household income and we will tell you where this payment sits.
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
$274,000
$162 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,695 sq ft
Time on market
65 days
Year built
2026
Monthly payment
About $1,614/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $331 annual tax bill, insurance, and the $250/yr HOA fee.
HOA fee
$250/yr
Managed by Richard Dawson.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
Offer
What should I offer?
Have another question?
Keep exploring Florida
Pick up where you left off, or see what else is out there.







