3512 SW SHOREWOOD DRIVE, DUNNELLON, FL, 34431
Active53 days on marketListed Jun 17, 2026MLS #OM726663
About this home
3512 SW SHOREWOOD DRIVE
PRICE IMPROVEMENT! Don't settle for cookie cutter! Lakefront · 4 bed / 2 bath · 1,900 sq ft · No HOA · Rainbow Lakes Estates Welcome to a one-of-a-kind lakefront retreat in the heart of Rainbow Lakes Estates — where character, privacy, and modern comfort come together on nearly an acre of stunning natural landscape. This fully updated and remodeled 4-bedroom, 2-bath home offers 1,900 sq ft of thoughtfully designed living space with no HOA, no water bill, and no sewer bill thanks to a private well and septic system. Step inside and immediately notice the luxury vinyl plank flooring throughout — no carpet in sight. The spacious main living area is flooded with natural light and features sliding glass doors that open to a large back deck overlooking a breathtaking backyard of towering ancient oak trees, lush forest, and tranquil lakefront views (** note that the lake is much lower than normal due to temporary drought conditions). Whether you're sipping your morning coffee or entertaining at sunset, this backdrop never gets old. The kitchen is a chef's dream — recessed lighting, a large island, custom granite countertops, and stainless steel appliances all in an open, airy layout designed for both function and style. The oversized primary bedroom features a generous walk-in closet and a spa-worthy en suite with a freestanding soaking tub, separate shower, and double sink vanity. When it's time to unwind, retreat to the screened-in lanai with a ceiling fan — perfect for cool evenings and warm summer nights alike. And for the hobbyist, crafter, or entertainer: don't miss the massive 12×40 ft shed built in 2025, complete with a loft, electricity, lighting, and ceiling fans. Man cave, she shed, studio, workshop — you decide. Major systems are move-in ready: new roof (2024), newer AC unit, and newer hot water heater give you peace of mind from day one. The 2-car garage rounds out the practicality this property delivers at every turn. Life in Rainbow Lakes Estates means access to two lakes with boat ramps and a fishing pier, two community parks with playgrounds, a community gym, gazebo, community center, baseball field, and racquetball and tennis courts — all in a neighborhood that's growing fast. Tucked against the Goethe State Forest with a true rural feel, you're still just minutes from Ocala, Gainesville, and Crystal River, and only 10 minutes from the world-famous Rainbow River and Rainbow Springs State Park. The unspoiled Nature Coast of the Gulf is also within easy reach- a dream if you love fishing, boating, kayaking, or just catching amazing sunsets.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,900
Sqft
0.81 ac
Lot size
2
Garage
1987
Year built
One
Levels
$197
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 — not generic estimates.
$2,582 /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
$2,582/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.
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
+17.3%
$/sqft vs RAINBOW LAKES ESTATE
$197 vs $185
Days on market
53 vs 39 typical
Where $197/sqft sits among the 75 homes for sale in RAINBOW LAKES ESTATE
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 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 → $280K
Dunnellon median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
21 of 75
RAINBOW LAKES ESTATE have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 874% above the DUNNELLON 34431 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 3512 SW SHOREWOOD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$289,900
1158 SW IVY PLACE · same community
3 bd · 2 ba · 1,936 sqft · $150/sqft · 23 DOM
Sold · Dec ’25$289,900
1085 SW HALF MOON DRIVE · same community
3 bd · 2 ba · 1,936 sqft · $150/sqft · 68 DOM
Sold · Apr ’26$309,900
826 SW PINEAPPLE HILL DRIVE · same community
3 bd · 2 ba · 1,936 sqft · $160/sqft · 51 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 3512 SW SHOREWOOD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3512 SW SHOREWOOD DRIVE — 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
3512 SW SHOREWOOD DRIVE FAQs
What would the monthly payment be for 3512 SW SHOREWOOD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,582/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 3512 SW SHOREWOOD DRIVE?+
The most recent tax bill on record (2025) was $596. 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 3512 SW SHOREWOOD DRIVE?+
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 $374,900, this home is listed about 25% above the Dunnellon median of $299,995. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$374,900 runs 874% above the DUNNELLON 34431 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $399,000, now $374,900 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Don Brinning. MLS #OM726663.
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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