Spruce Creek Preserve
Homes for Sale in Dunnellon, FL
All 476 homes for sale in DUNNELLON, FL · median $299,900 · 74 homes for sale in 34432 · Marion County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Stellar MLS
As of October 2026, Spruce Creek Preserve in Dunnellon, FL has 12 homes for sale, asking from $169,900 to $305,000 (median $232,450). Over the 12 months ending 2026-08-02, 20 recorded sales closed at a median of $222,500, $142 per square foot, a median 124 days on market, sellers accepting 92% of original asking (-9% versus the prior year). Homes listed or recently sold were built 1996–2006; 24 of 24 report an HOA (median $194/mo); 5 of the 24 geocoded homes sit in a FEMA special flood hazard zone (median elevation 62 ft). At the median price and Marion County's FY2025-26 rate of 12.08 mills, annual property tax runs about $2,690 ($2,250 with the full homestead exemption).
Last 30 days in Spruce Creek Preserve: 4 new listings (median asking $235,000). As of October 17, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Spruce Creek Preserve
Live MLS inventory for Spruce Creek Preserve. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 221 daysTop listing
Active · 68 days
Active · 30 days
Active · 11 days
Active · 45 days
Active · 272 days
Active · 24 days
Active · 41 days
Active · 1 days
Active · 151 days
Active · 434 days
Active · 68 daysActive and pending Spruce Creek Preserve listings as of 2026-10-17, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. Tap any home to ask about it.
Every Home for Sale in Spruce Creek Preserve Dunnellon Right Now (12)
All 12 active and pending Spruce Creek Preserve Dunnellon listings with a detail page, newest first, refreshed twice a day from the MLS.
- 13824 SW 114th Circle · $189,900 · 3 bd / 2 ba · listed Oct 14, 2026 · listed by Down Home Realty, Lllp
- 11572 SW 140th Loop · $250,000 · 2 bd / 2 ba · listed Oct 1, 2026 · listed by Re/Max Foxfire - Hwy200/103 S
- 11442 SW 139th Street · $220,000 · 3 bd / 2 ba · listed Sep 17, 2026 · listed by Re/Max Foxfire - Hwy200/103 S
- 11395 SW 139th Street · $252,000 · 3 bd / 2 ba · listed Sep 11, 2026 · listed by Re/Max Foxfire - Hwy200/103 S
- 14366 SW 115th Circle · $249,900 · 2 bd / 2 ba · listed Sep 8, 2026 · listed by Lpt Realty, Llc
- 13780 SW 115th Circle · $190,000 · 3 bd / 2 ba · listed Sep 7, 2026 · listed by Re/Max Foxfire - Hwy200/103 S
- 11675 SW 140th Loop · $269,700 · 2 bd / 2 ba · listed Aug 17, 2026 · listed by Re/Max Foxfire - Hwy200/103 S
- 13646 SW 115th Avenue · $169,900 · 2 bd / 2 ba · listed Jul 25, 2026 · listed by Mark Spain Real Estate
- 13640 SW 115th Avenue · $188,900 · 2 bd / 2 ba · listed Jul 20, 2026 · listed by Re/Max Foxfire - Hwy200/103 S
- 13834 SW 114th Avenue · $305,000 · 3 bd / 2 ba · listed Jul 20, 2026 · listed by Re/Max Foxfire - Hwy200/103 S
- 11587 SW 139th Place · $244,900 · 2 bd / 2 ba · listed Jul 20, 2026 · listed by Remax/Premier Realty
- 11879 SW 137th Loop · $179,900 · 2 bd / 1 ba · listed Jul 20, 2026 · listed by Charles Joyce Real Estate
Spruce Creek Preserve right now
🔴 Off the recent peak. The trailing-12-month median ($222K) is down 9.2% from the prior 12 months ($245K). With about 21 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending August 2. Confidence: High (20 and 35 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 18, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside SPRUCE CREEK PRESERVE right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Spruce Creek Preserve market snapshot (as of August 2, 2026): the median sale price is about $222K ($142 per sq ft over the trailing 12 months of closed sales), and a median 125 days on market for closed sales. The trailing-12-month median is down 9% from the prior 12 months, computed from record-level Stellar MLS closed sales (20 closings in the current window).
In ZIP 34432 (Dunnellon), 457 homes closed in the last 12 months at a median of $250K ($176/sq ft), up 0.7% year over year, with a median 77 days on market. See the live ZIP 34432 housing market and the Marion County market.
Flood zones in Spruce Creek Preserve: of 8 listing addresses checked against the FEMA National Flood Hazard Layer, 38% sit outside the FEMA Special Flood Hazard Area (Zone X); 62% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov.
Spruce Creek Preserve is a community of 1,127 homes in Dunnellon, Marion County, built between 1948 and 2024 (median 1999), with a median living area of about 1,540 square feet. 66% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Spruce Creek Preserve. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Spruce Creek PreserveSpruce Creek PreserveSpruce Creek PreserveSpruce Creek PreserveSpruce Creek PreserveSpruce Creek PreserveSpruce Creek PreserveSpruce Creek PreservePhotos from Stellar MLS listings in Spruce Creek Preserve; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($222K) IS the median in the snapshot above, and the move from 2025 ($245K) IS the -9.2% one-year change.
Windows contain 4 to 35 sales each (20 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. Deemed reliable but not guaranteed.
0% of homes for sale in Spruce Creek Preserve are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-18).
Spruce Creek Preserve Market Scorecard
Spruce Creek Preserve is currently a buyer's market. About 7.2 months of supply, a median asking price of $232,450, and homes go under contract in about 56 days.
Typical home value in the 34432 ZIP is $299,595, about 26.9% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Spruce Creek Preserve on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Schools
- Marion County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Ross Prairie Elementary · Elementary
- Horizon Academy/Mar Oaks · Middle
- Dunnellon High School · High
Zoned schools reflect the assignments reported on recent Spruce Creek Preserve listings and can change; always confirm with Marion County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Spruce Creek Preserve address.
Shop the zone: Homes zoned for Dunnellon High School
The Spruce Creek Preserve buying strategy.
If we were buying in Spruce Creek Preserve today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Spruce Creek Preserve.
A closer look at the Spruce Creek Preserve market
At a median of $142 per square foot, Spruce Creek Preserve prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
The trailing-12-month median down 9% year over year. Homes that do trade take a median 125 days on market, useful leverage on any listing that has lingered.
The housing stock is 1,127 homes built between 1948 and 2024, and 66% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Spruce Creek Preserve. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Spruce Creek Preserve buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (5.0). Basis: Recent Direction -9.2% year-over-year; Owner Commitment 66% owner-occupied; Pricing Power 92.0% sale-to-list. Refreshed with each data update.
What it really costs to own in Spruce Creek Preserve
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | At today's median asking price of $232,450, the first-year bill with homestead is about $2,400/yr (Marion County total millage 12.08 mills, FY2025-26, Marion County Property Appraiser, FY2025-26 adopted budget). |
|---|---|
| HOA dues | Median $194/month across 24 MLS listings (most billed monthly; 2026-10-18). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Marion County is $1,263/yr (1,973 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 8 listing addresses checked against the FEMA flood map, 38% sit outside the high-risk zone and 62% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 1998 across 24 listings. An original roof here would be about 28 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Estimated carrying cost at the median asking price, before the mortgage: about $499/month (tax $200, HOA $194, insurance $105). An estimate from the sources above, not a quote.
Email me new listings in Spruce Creek Preserve
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Spruce Creek Preserve
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Spruce Creek Preserve will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $194/month (about $2,328/yr) · median of 24 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $194 per month ($2,328 a year) — the median AssociationFee across 24 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Flood & Insurance Context
Of 8 sampled listing addresses in this community: 38% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 62% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=8) · as of 2026-10
Tools for a Spruce Creek Preserve buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Spruce Creek Preserve sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Spruce Creek Preserve, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Spruce Creek Preserve home worth?
Get a no-obligation home value based on real comparable sales in Spruce Creek Preserve, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Dunnellon →
| Location | Dunnellon, Marion County, FL · ZIP 34432 |
|---|---|
| Homes in the community | 1,127 (FL DOR 2025 assessment roll) |
| Years built | 1948–2024 (median 1999) |
| Typical living area | 1,540 sq ft (median) |
| Home types (current listings and sales) | single-family 92% |
| Amenities listed by sellers | Clubhouse, Fitness Center, Gated Community - Guard, Pool, Golf Carts OK, Deed Restrictions |
| Sale prices, last 12 months | $222,500 median across 20 closed sales · $142 per sq ft · -9.2% vs the prior 12 months |
| Days on market (closed sales) | 124 median |
| Owner-occupied (homestead) share | 66% |
Data as of August 2, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Spruce Creek Preserve key facts,” movewithmomentum.com/neighborhoods/spruce-creek-preserve-dunnellon, data as of August 2, 2026.
Housing distress & ownership in SPRUCE CREEK PRESERVE, Dunnellon
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Just listed in Spruce Creek Preserve
The newest homes for sale in Spruce Creek Preserve right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 13824 SW 114Th Circle $189,900 · 3 bd · 2 ba · 1,726 sq ft · 1 day on market Courtesy of DOWN HOME REALTY, LLLP
- 11572 SW 140Th Loop $250,000 · 2 bd · 2 ba · 1,866 sq ft · 11 days on market Courtesy of RE/MAX FOXFIRE - HWY200/103 S
- 11442 SW 139Th Street $220,000 · 3 bd · 2 ba · 1,526 sq ft · 24 days on market Courtesy of RE/MAX FOXFIRE - HWY200/103 S
- 11395 SW 139Th Street $252,000 · 3 bd · 2 ba · 1,724 sq ft · 30 days on market Courtesy of RE/MAX FOXFIRE - HWY200/103 S
- 13780 SW 115Th Circle $190,000 · 3 bd · 2 ba · 1,526 sq ft · 41 days on market Courtesy of RE/MAX FOXFIRE - HWY200/103 S
- 14366 SW 115Th Circle $249,900 · 2 bd · 2 ba · 1,496 sq ft · 45 days on market Courtesy of LPT REALTY, LLC
Checked against the MLS Oct 18, 2026. All new listings in this market.
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Dunnellon guides & data
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
Real estate agent in Dunnellon? Join Momentum in Dunnellon: 100% commission, one $12K cap.
Frequently Asked Questions
What is the median home price in Spruce Creek Preserve?
How long do homes in Spruce Creek Preserve take to sell?
How many homes are in Spruce Creek Preserve?
What share of Spruce Creek Preserve is owner-occupied?
When were the homes in Spruce Creek Preserve built?
Do cash buyers compete in Spruce Creek Preserve?
Who is the best real estate agent for Spruce Creek Preserve?
How do I find a top Dunnellon real estate agent who knows Spruce Creek Preserve?
Can Momentum Realty connect me with an agent for Spruce Creek Preserve?
Where is Spruce Creek Preserve, and what county is it in?
Is Spruce Creek Preserve a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 17, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (9 streets, ZIP 34432)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Historical depth | Closed-sale records back to 2021 (128 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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See how SPRUCE CREEK PRESERVE fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Spruce Creek Preserve
- Home values · What homes in Spruce Creek Preserve actually sell for
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- SW 112Th Circle (28 homes on record)
- SW 138Th Lane (16 homes on record)
- SW 139Th Street (14 homes on record)
- SW 137Th Loop (13 homes on record)
- SW 140Th Loop (9 homes on record)
- SW 139Th Place (8 homes on record)
- SW 138Th Place (8 homes on record)
- SW 112Th Circle (5 homes on record)
- SW 139Th Street (5 homes on record)
- SW 112Th Circle (3 homes on record)
- SW 140Th Loop (3 homes on record)
- SW 139Th Street (3 homes on record)
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