10801 SW 185TH TERRACE, DUNNELLON, FL, 34432
Active351 days on marketListed Aug 17, 2025MLS #TB8418268
About this home
10801 SW 185TH TERRACE
Escape to your own slice of paradise with this exquisite luxury cottage, nestled along the crystal-clear waters of the Rainbow River in the serene Rio Vista subdivision. Built in 2008, this charming retreat is perfect as a romantic hideaway, a lucrative short-term rental, or the foundation for your dream home on a spacious .32-acre lot with nearly 80 feet of private river frontage. Step inside to discover a gourmet kitchen that’s a chef’s delight, featuring a professional-grade Viking stove and range, premium appliances, elegant shaker cabinetry, gleaming granite countertops, and a custom brick backsplash. The open-concept living and dining area exudes warmth with soaring vaulted wood ceilings, plush seagrass carpeting, and rich brick flooring, creating an inviting ambiance for relaxation or entertaining. The airy Main Suite area, seamlessly connected to the living space, offers serene comfort with luxurious seagrass carpet, while the spa-inspired Master Bath boasts an oversized granite-topped vanity, a tiled shower, brick floors, and a convenient stackable washer/dryer. Need extra space? A versatile loft with pull-down stairs provides additional sleeping quarters or ample storage. The cottage is crafted with durability and style in mind, featuring Hardie board siding, energy-efficient Anderson windows and doors, a sleek galvanized metal roof, and a tankless water heater for modern convenience. Outside, the expansive screened porch with brick flooring offers breathtaking river views, perfect for morning coffee or evening sunsets. The meticulously landscaped yard, complete with a matching storage shed, leads to your private dock and swimming area, inviting you to dive into the pristine waters of the Rainbow River. Currently a sought-after VRBO/Airbnb rental generating $350 a night, this cottage is both a tranquil retreat and a proven investment opportunity. As part of the exclusive Rio Vista community, you’ll enjoy access to a private 4-acre park with a boat ramp, picnic pavilions, and restrooms. Located in the vibrant small town of Dunnellon, you’re just minutes from charming shops, the World Equestrian Center, Historic Downtown Ocala Square, and the natural wonders of Florida’s Nature Coast. Don’t miss this rare opportunity to own a piece of Rainbow River paradise—schedule your private tour today!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
520
Sqft
0.32 ac
Lot size
2008
Year built
One
Levels
$1,923
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.
$6,314 /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
$6,314/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
$1,923 vs $332
Days on market
351 vs 43 typical
Where $1,923/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 345% above the DUNNELLON 34432 median. See the full Dunnellon market guide →
Paper trail
This home's history
Reality check
What actually sold near 10801 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 · Apr ’26$187,500
707 CORDOVA AVENUE · same community
2 bd · 1 ba · 720 sqft · $260/sqft · 2 DOM
Sold · Aug ’25$320,000
8302 N LOIS AVENUE · same community
3 bd · 3 ba · 756 sqft · $423/sqft · 103 DOM
Sold · May ’26$260,000
551 84TH AVENUE N · same community
2 bd · 1 ba · 756 sqft · $344/sqft · 85 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 10801 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 10801 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
10801 SW 185TH TERRACE FAQs
What would the monthly payment be for 10801 SW 185TH TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,314/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 10801 SW 185TH TERRACE?+
The most recent tax bill on record (2023) was $4,593. 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 10801 SW 185TH TERRACE?+
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 $999,999, this home is listed about 233% above the Dunnellon median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10801 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
$999,999 runs 345% 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
351 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 $1,999,999, now $999,999 — a $1.0M cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EQUITY REALTY SUNCOAST · Kathy Schulz. MLS #TB8418268.
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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