0 SW BIG BEAR RIDGE, DUNNELLON, FL, 34431
Active357 days on marketListed Aug 11, 2025MLS #OM707358
About this home
0 SW BIG BEAR RIDGE
Tucked within the tranquility of SW Big Bear Ridge in Rainbow Lakes Estates, Dunnellon, Florida -- this peaceful 0.24-acre wooded lot feels like it was made just for you. Surrounded by breeze swept pines and the gentle sounds of nature, this property offers the rare balance of privacy and connection—set on a paved road with electricity and other homes nearby - ready when you are. Zoned R-1 for site-built homes in a welcoming, growing community with no HOA, this is where you can create the home you’ve always pictured—whether it’s a cozy retreat, a forever home, or a smart investment for the future. You’ll enjoy the quiet of the countryside while still having access to community perks like parks, sports courts, fitness facilities, and youth centers. A tranquil 20-minute drive and you could be kayaking the crystal waters of the Rainbow River or exploring Rainbow Springs State Park. And within 40–50 minutes, you’ll find yourself in downtown Dunnellon or Ocala, browsing shops, visiting the World Equestrian Center, fishing the Withlacoochee River, or soaking in the beauty of Florida’s Nature Coast and Crystal River. This isn’t just land—it’s the new beginning for the life you’ve been imagining. A place where mornings are quiet, nights are star-filled, and every day feels a little more your own. Owner financing is available—making it even easier to claim this perfect spot before someone else does.
Facts & features
The home at a glance
0.24 ac
Lot size
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 — not generic estimates.
$302 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$302/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Where it sits
Inside Dunnellon
Get to know Dunnellon. See the full Dunnellon guide →
DUNNELLON 34431 — neighborhood snapshot
Population
8,663
Median age
55.4
Median income
$51,542
Median home value
$185,200
Avg household
2.2
Households w/ children
570
The numbers that matter
The Dunnellon market
$265K → $285K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% below the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 0 SW BIG BEAR RIDGE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$170,000
21171 SW HONEYSUCKLE STREET · same community
2 bd · 1 ba · 956 sqft · $178/sqft · 17 DOM
Sold · Mar ’26$135,000
19901 SW RAINBOW LAKES BOULEVARD · same community
2 bd · 1 ba · 960 sqft · $141/sqft · 21 DOM
Sold · Mar ’26$199,995
5128 SW SOUTH WATER COURT · same community
3 bd · 2 ba · 1,003 sqft · $199/sqft · 37 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 0 SW BIG BEAR RIDGE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 0 SW BIG BEAR RIDGE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
0 SW BIG BEAR RIDGE FAQs
What would the monthly payment be for 0 SW BIG BEAR RIDGE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $302/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 0 SW BIG BEAR RIDGE?+
The most recent tax bill on record (2024) was $182. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Dunnellon?+
At $20,000, this home is listed about 93% below the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Under the DUNNELLON 34431 market on paper
$20,000 is 47% below the DUNNELLON 34431 median of $38,000.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
357 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 $23,000, now $20,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER RIVERLAND RLTY · John Dolloff. MLS #OM707358.
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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