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TBD SW 98TH STREET, Dunnellon, FL, 34432

4beds
3baths
2,621sqft
$515,000
$196price/sqft
$3,509/moest. monthly cost
$140,360/yrincome needed

About This Home

Pre-Construction. To be built. YOUR DREAM HOME STARTS HERE—1.33 ACRE WITH OAK TREES, A TRUE 3-CAR GARAGE & TIME TO PERSONALIZE! Why settle for someone else’s selections when you can build a home that reflects your style? The Haven is a thoughtfully designed pre-construction home offering over 2,600 square feet of beautifully planned living space on a picturesque 1.33-acre Homesite. Designed for the way today’s buyers live, this spacious floor plan features 4 bedrooms, 3 full bathrooms, a dedicated OFFICE with French doors, and a TRUE 3-CAR GARAGE. The open-concept great room flows seamlessly into a chef-inspired kitchen complete with granite countertops, a large center island, stainless steel appliances, 42” soft-close cabinetry, custom backsplash, and premium touches including a range hood and pot filler. The private owner’s retreat offers tray ceilings, dual walk-in closets, an L-shaped dual sink vanity and make up station and an oversized tiled shower with a transom window. A separate guest ensuite with its own bathroom and direct lanai access provides the perfect setup for visitors or multi-generational living, while two additional bedrooms share a beautifully appointed bath. Thoughtful details set The Haven apart, including a CUSTOM MUDROOM, coffee and wine bar, oversized walk-in pantry, spacious laundry room, The expansive covered lanai overlooking your private acreage—perfect for entertaining or simply enjoying peaceful Florida evenings beneath the oaks. For a limited time, buyers can personalize select colors and finishes, creating a home that's truly theirs. Builder requires a Construction-to-Permanent financing or cash escrow options exclusively. Photos are of a previously completed Haven model and includes buyer paid upgrades not included in the base price -stone veneer front elevation accents, luxury plank flooring in the bedrooms, butcher block sitting bench and upper cabinet in mud room, epoxy garage flooring and upgraded appliances. Don’t just buy a home—create one that’s built around the way you live.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
5/10
Dunnellon Middle SchoolGrades 6-88.5 mi
2/10
Dunnellon High SchoolGrades 9-125.0 mi

Construction

Condition

  • Property condition: Pre-Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Other

  • Builder model: THE HAVEN-3 CAR GARAGE
  • Builder name: ZORN CONSTRUCTION AND DEVELOPMENT LLC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Microwave,Range Hood,Refrigerator,Water Filtration System,Wine Refrigerator
  • Laundry features: Laundry Room

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 144
  • Dimensions: 12x12

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 144
  • Dimensions: 12x12

Bedroom4

  • Features: En Suite Bathroom,Built-in Closet
  • Level: First
  • Area: 213.2
  • Dimensions: 16.4x13

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First
  • Area: 156.8
  • Dimensions: 11.2x14

Features

  • Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Solid Wood Cabinets,Stone Counters,Tray Ceiling(s),Vaulted Ceiling(s),Walk-In Closet(s)
  • Door features: French Doors
  • Flooring: Carpet,Luxury Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,745
  • Total interior livable area: 2,621 sqft

Kitchen

  • Level: First
  • Area: 209.04
  • Dimensions: 20.1x10.4

Living Room

  • Level: First
  • Area: 281.24
  • Dimensions: 15.8x17.8

Office

  • Features: Coat Closet
  • Level: First
  • Area: 138
  • Dimensions: 13.8x10

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 273.6
  • Dimensions: 15.2x18

Property

Details

  • Parcel number: 3491189110
  • Zoning: R1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Lighting
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 1.16 Acres
  • Features: Cleared
  • Lot size dimensions: 165 x 305

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hurricane
Strong Wind
Tornado
Wildfire

FEMA Declared Disasters in Marion County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,604$31,248
Home Insurance *$333$3,996
Property Taxes $309$3,708
Electricity $263$3,165
Total$3,509$42,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,308/yr
40% on housing$105,270/yr
45% on housing$93,573/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.6%
5.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$196This listing

vs Other Active Listings

Avg $/sqft

ZIP 34432$387
Marion County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 34432$188
Marion County$168

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-23Listed for sale$515,000

New Construction

AgentLisa Gehret
BrokerageKELLER WILLIAMS CLASSIC

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