12902 SW 138TH LOOP, DUNNELLON, FL, 34432
Active88 days on marketListed Apr 24, 2026MLS #OM723375
About this home
12902 SW 138TH LOOP
PRICE IMPROVEMENT!! Welcome to Bel Lago, one of Marion County Florida’s best kept secrets! Offered for your consideration is a thoughtfully crafted custom 3-2-1 home. Situated lakefront on 1.25 acres and backing up to the Halpata Taskanaki Preserve, part of the Florida Greenway and approximately 8,000 acres offering unmatched privacy and peaceful surroundings. This home built in 2024, is practically brand new, designed with both luxury and efficiency in mind, the home showcases quality and comfort. The open concept layout is complimented by features such as custom electric shades, whole house water filtration, 2 tankless water heaters, security system, reverse osmosis filter in kitchen, linear fireplace and porcelain tile throughout, and so much more . Stepping through the glass doors the home also features custom fence around the salt water pool with a view overlooking the stocked lake, enjoy hours of peaceful enjoyment and relaxation. Additional feature is an oversized garage, connected by a breezeway you will find a staircase leading above the garage to an unfinished area just waiting to be a man cave, game room, or whatever finishing touch you may have in mind. Bel Lago is located just minutes from shopping, hospitals and dining as well as 20 minutes to the World Equestrian Center, & 1.5 hrs to Orlando . Bel Lago is more than just a community, known for its extensive multi use trail system, and abundance of wildlife, and close proximity to Ocala, Bel Lago makes living here what you deserve and many desire. Come see for yourself and prepare to be amazed.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,759
Sqft
1.25 ac
Lot size
2
Garage
2024
Year built
One
Levels
$525
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 and the real association fee — not generic estimates.
$10,141 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$10,141/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+98.3%
$/sqft vs Dunnellon actives
$525 vs $186
Days on market
88 vs 43 typical
Where $525/sqft sits among the 400 Dunnellon actives
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 → $270K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
185 of 400
Dunnellon actives have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 530% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 12902 SW 138TH LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$375,000
11595 SW 134 COURT
3 bd · 2.5 ba · 1,981 sqft · $189/sqft · 71 DOM
Sold · Oct ’25$745,000
13393 SW 484 HIGHWAY
3 bd · 2 ba · 1,834 sqft · $406/sqft · 150 DOM
Sold · Jun ’26$259,000
13750 SW 113TH LANE
3 bd · 2 ba · 1,576 sqft · $164/sqft · 105 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12902 SW 138TH LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12902 SW 138TH LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12902 SW 138TH LOOP FAQs
What would the monthly payment be for 12902 SW 138TH LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,141/mo — principal and interest, the actual property-tax bill, the $325/mo association fee 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.
How much are the HOA fees at 12902 SW 138TH LOOP?+
The association fee works out to $325 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12902 SW 138TH LOOP?+
The most recent tax bill on record (2025) was $15,523. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12902 SW 138TH LOOP?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Dunnellon?+
At $1,449,000, this home is listed about 383% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12902 SW 138TH LOOP?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$1,449,000 runs 530% above the DUNNELLON 34432 median — but at 2,759 sqft it's also 65% larger than the typical Dunnellon listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
88 days on market against a Dunnellon median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,485,000, now $1,449,000 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HORSE CAPITAL HOMES AND FARMS · Pamela Allen. MLS #OM723375.
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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