10894 SW 185TH TERRACE, DUNNELLON, FL, 34432
Active489 days on marketListed Apr 1, 2025MLS #TB8365488
About this home
10894 SW 185TH TERRACE
Stunning Custom-Built Home on the Rainbow River – Dunnellon, Florida Located in the desirable Rio Vista subdivision on the west side of the Rainbow River, this exceptional 2-bedroom, 1.5-bathroom custom-built home offers the perfect combination of luxury, modern comfort, and lasting durability. Completed in 2023, this meticulously crafted home features high-end materials and exceptional design for an unparalleled living experience. The exterior boasts foam-filled split-faced block construction, providing superior durability and energy efficiency. The 26-gauge metal roof is designed to withstand Florida’s elements, while R-30 insulation ensures the home stays comfortable year-round. Energy-efficient Simonton windows allow natural light to fill the interior, and the home is equipped with a Carrier 16 SEER heat pump HVAC system for optimal comfort in all seasons. Inside, the home is thoughtfully designed with premium finishes throughout. The gourmet kitchen features sleek stainless steel appliances, and the open-concept living and dining areas create a spacious, inviting atmosphere, perfect for both relaxing and entertaining. The oversized shower in the primary bathroom adds a touch of luxury, offering a perfect retreat to unwind. Step outside to experience the beauty of this riverfront property. The custom-built dock, completed in 2024 with Weardeck composite decking, provides direct access to the pristine waters of the Rainbow River—ideal for swimming, kayaking, or simply relaxing by the water. The outdoor shower, equipped with hot water, offers a refreshing way to clean off after a day on the river. The porch and exterior ceilings are finished with cement fiberboard, combining sophistication and durability, while LED recessed lighting adds a modern touch throughout. The home also includes a single-car garage and a carport for extra storage, providing plenty of space for all your gear and toys. The programmable WiFi thermostat allows you to easily control the home’s temperature, ensuring comfort year-round. Plus, the porch is equipped with pet screen, making it a pet-friendly space for your furry friends to enjoy the outdoors. As a resident of the Rio Vista community, you'll enjoy exclusive access to a 4-acre park, featuring a boat ramp, picnic pavilions, and restrooms—perfect for outdoor activities and social gatherings with family and friends. This remarkable home offers a rare combination of luxurious living, riverfront access, and a vibrant community setting. Don’t miss the opportunity to own this stunning property in one of Florida’s most desirable locations!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,006
Sqft
0.73 ac
Lot size
1
Garage
2023
Year built
One
Levels
$854
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.
$5,438 /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
$5,438/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.
$/sqft vs RIO VISTA
$854 vs $332
Days on market
489 vs 43 typical
Where $854/sqft sits among the 14 homes for sale in RIO VISTA
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)
7 of 14
RIO VISTA have cut their price
Median sold price, Dunnellon, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 282% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 10894 SW 185TH TERRACE
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$235,000
672 CORDOVA AVENUE · same community
2 bd · 1 ba · 999 sqft · $235/sqft · 109 DOM
Sold · Sep ’25$166,500
8211 DIAGONAL ROAD N · same community
2 bd · 1 ba · 998 sqft · $167/sqft · 50 DOM
Sold · Sep ’25$153,500
620 83RD AVENUE N · same community
3 bd · 1 ba · 1,020 sqft · $150/sqft · 9 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 10894 SW 185TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10894 SW 185TH TERRACE — 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
10894 SW 185TH TERRACE FAQs
What would the monthly payment be for 10894 SW 185TH TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,438/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 10894 SW 185TH TERRACE?+
The most recent tax bill on record (2024) was $3,849. 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 $859,000, this home is listed about 186% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10894 SW 185TH TERRACE?+
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
$859,000 runs 282% above the DUNNELLON 34432 median.
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
489 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 $1,200,000, now $859,000 — a $341K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EQUITY REALTY SUNCOAST · Kathy Schulz. MLS #TB8365488.
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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